361 Saint Andrews Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 361 Saint Andrews Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,785 sqft · built 1970
Lot Size	0.29 acres (12,632 sqft)
Owner	Trust Name on File
Last Sale	$311,000 (Aug 1997)
Tax Bill	$3,613 (2025)
Deeds & Mortgages	May 2019 Line of Credit May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`053-043-06`

Property Details

APN / Parcel Number

Primary APN	`053-043-06`
Alternative APN	`053-043-06-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Building Area	2,785 sqft Living Area
Gross Area	3,296 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	12,632 sqft (0.29 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	511 sqft
Parking Spaces	2 Parking Spaces
Deck Area	722 sqft
Patio Area	722 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	361 SAINT ANDREWS DR
City	APTOS
State	CA
Zip	95003-5418
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10
Legal Description	TRACT 274 LOT 141
Legal Subdivision	COUNTY CLUB PARK UN 06 TR 274
Legal Tract	274
Legal Lot Number	141
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1007
Census Tract	122203

Owner

361 Saint Andrews Dr is owner-occupied and held in a trust since October 2012.

Source: Santa Cruz County records, as of August 19, 2026

Owner of Record	Trust Name on File
Mailing Address	361 SAINT ANDREWS DR, APTOS, CA 95003-5418
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 17, 2019	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
May 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 5, 1997 · Amount on File
Deed Sale	Aug 5, 1997 · Amount on File
Deed Document Number	199735413
Last Transfer Date	Oct 15, 2012
Transfer Doc	0000052035
Record Updated	Sep 20, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	361 SAINT ANDREWS DR, APTOS, CA 95003-5418
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013323
Date	May 17, 2019
Instrument	2019-0013323

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	May 16, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	361 SAINT ANDREWS DR, APTOS, CA 95003-5418
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017598
Date	May 22, 2020
Instrument	2020-0017598

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 361 Saint Andrews Dr was $3,613 with a homeowner's exemption.

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Unified School District	Pajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$187,498 (+2%) Land $32,679 Building $154,819
2025	$3,613.00 Homeowner's exemption	$183,821 Land $32,038 Building $151,783
2023	$3,175.00 (+3.45%) Homeowner's exemption	$176,683 Land $30,794 Building $145,889	$1,594,890
2022	$3,069.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 361 Saint Andrews Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 361 Saint Andrews Dr is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SOQUEL CREEK WATER DISTRICT serves 40,962 people · EPA ID CA4410017
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 444 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Cruzio, Etheric Networks, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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