Santa Cruz County property record for 3646 Porter Gulch Rd, Aptos, CA 95003
| Property Type | Recreational Vacant Land |
|---|---|
| Details | 2 bd · 1 ba · 884 sqft · built 1941 |
| Lot Size | 1.06 acres (46,348 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $700,000 (Nov 2019) |
| Tax Bill | $9,293 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Nov 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-071-06 |
| Primary APN | 040-071-06 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Building Area | 884 sqft Gross Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1941 |
|---|---|
| Effective Year Built | Effective 1941 |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Sawtooth |
| Roof Material | Composition Shingle |
| Lot Area | 46,348 sqft |
| Street Address | 3646 PORTER GULCH RD |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-2708 |
| Property Category | Public Works |
| Property Type | Public Works > Recreational Vacant Land |
| Local Zoning Code | RA |
| Legal Subdivision | SOQUEL AUGMENTATION RHO |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 122001 |
Source: Santa Cruz County records, as of August 19, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3646 PORTER GULCH RD, APTOS, CA 95003-2708 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Nov 27, 2019 | Grant Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB |
| Mar 5, 2019 | Affidavit of Death, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 27, 2019 · Amount on Record |
| Deed Sale | Nov 27, 2019 · Amount on Record |
| Deed Document Number | 201937225 |
| Prior Transfer Date | Apr 2, 2007 |
| Prior Transfer Doc | 0000024516 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 3646 PORTER GULCH RD, APTOS, CA 95003-2708 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 3646 PORTER GULCH RD, APTOS, CA 95003-2708 |
| Document Number | 0000044517 |
|---|---|
| Date | Oct 28, 2020 |
| Instrument | 2020-0044517 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Nov 27, 2019 |
| Property Address | 3646 PORTER GULCH RD, APTOS, CA 95003-2708 |
| Document Number | 0000037225 |
| Instrument Date | Oct 30, 2019 |
| Instrument | 2019-0037225 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3646 PORTER GULCH RD, APTOS, CA 95003-2708 |
| Document Number | 0000037226 |
|---|---|
| Date | Nov 27, 2019 |
| Instrument | 2019-0037226 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2049 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Mar 5, 2019 |
| Property Address | 3646 PORTER GULCH RD, APTOS, CA 95003-2708 |
| Document Number | 0000005727 |
| Instrument Date | Feb 21, 2019 |
| Instrument | 5727 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2019 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 172 ALPINE TER SAN FRANCISCO CA 941173167, SAN FRANCISCO, CA 94117-3167 |
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Secondary School District | Santa Cruz City High School District (9-12) (09 - 12) |
| Elementary School District | Soquel Elementary School District (KG - 08) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $780,863 (+2%) Land $769,708 Building $11,155 | ||
| 2025 | $9,293.00 (+9.43%) | $765,552 (+4.04%) Land $754,616 Building $10,936 | |
| 2023 | $8,492.00 (+0.86%) | $735,825 Land $725,313 Building $10,512 | $718,020 |
| 2022 | $8,420.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 43 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 43 in force |
| Nearby Flood Claims | 25 (1982–2023) |
| Claims Outside the SFHA | 2 of 25 |
| Most Recent Claim | Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 43% of the US · lower than 74% of California |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 59 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Cruzio, Etheric Networks, Surfnet Communications, Verizon.
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