3668 Porter Gulch Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 3668 Porter Gulch Rd, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,836 sqft · built 1937
Lot Size	0.899 acres (39,160 sqft)
Owner	2 Trust Names on File
Last Sale	$1,180,000 (Jul 2018)
Tax Bill	$15,718 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Dec 2025 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`040-071-07`

Property Details

APN / Parcel Number

Primary APN	`040-071-07`
Alternative APN	`040-071-07-000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Building Area	2,836 sqft Living Area
Gross Area	3,556 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1937
Effective Year Built	Effective 2015
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	39,160 sqft (0.899 acres)
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Deck Area	560 sqft
Patio Area	560 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	3666 PORTER GULCH RD
City	APTOS
State	CA
Zip	95003-2708
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Subdivision	SOQUEL AGUMENTATION RHO
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1017
Census Tract	122001

Owner

3668 Porter Gulch Rd is held in a trust since December 2025.

Source: Santa Cruz County records, as of October 6, 2026

Owner of Record	2 Trust Names on File
Mailing Address	PO BOX 183, CAPITOLA, CA 95010-0183
Owner Type	Company
Vesting	Trust, Family 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
Sep 21, 2026	Deed of Trust, Mortgage · Line of Credit STAR ONE CREDIT UNION
Dec 18, 2025	Intrafamily Transfer, Transfer
Apr 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 10, 2018	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE
Jul 26, 2018	Grant Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2018 · Amount on File
Deed Sale	Jul 26, 2018 · Amount on File
Prior Sale	Jul 29, 2011 · Amount on File
Deed Document Number	201822956
Last Transfer Date	Dec 17, 2025
Transfer Doc	0000028084
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 21, 2026
Property Address	3666 PORTER GULCH RD, APTOS, CA 95003-2708
Document Number	0000021199
Instrument Date	Sep 11, 2026
Instrument	202621199
Transaction Type	Mortgage
Record Updated	Oct 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust, 221
Address	3666 PORTER GULCH RD, APTOS, CA 95003-2708

Mortgage

Document Number	0000021199,
Date	Sep 21, 2026
Instrument	202621199

Lender

Name	STAR ONE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	302 Months
Due	Nov 25, 2051

Interest

Max Rate	-1%

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 18, 2025
Property Address	3668 PORTER GULCH RD, APTOS, CA 95003
Document Number	0000028084
Instrument Date	Dec 17, 2025
Instrument	2025-0028084
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	PO BOX 183, CAPITOLA, CA 95010-0183

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3666 PORTER GULCH RD, APTOS, CA 95003-2708
Transaction Type	Mortgage
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011418
Date	Apr 3, 2020
Instrument	2020-0011418

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3666 PORTER GULCH RD, APTOS, CA 95003-2708
Transaction Type	Mortgage
Record Updated	Aug 17, 2021
Title Company	STEWART TITLE OF CALIFORNIA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027650
Date	Sep 10, 2018
Instrument	2018-0027650

Lender

Name	AMERICAN PACIFIC MORTGAGE
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 26, 2018
Property Address	3666 PORTER GULCH RD, APTOS, CA 95003-2708
Document Number	0000022956
Instrument Date	Jul 24, 2018
Instrument	2018-0022956
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	PO BOX 183, CAPITOLA, CA 95010-0183

Mortgage

Document Number	0000022957
Date	Jul 26, 2018
Instrument	2018-0022957

Lender

Name	AMERICAN PACIFIC MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3668 Porter Gulch Rd was $15,718.

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

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,342,639 (+2%) Land $830,616 Building $512,023
2025	$15,718.00	$1,316,313 Land $814,329 Building $501,984
2023	$14,424.00 (+0.79%)	$1,265,199 Land $782,708 Building $482,491	$1,226,790
2022	$14,311.00

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

Flood

FEMA maps place 3668 Porter Gulch Rd in Zone X, an area of minimal flood risk, though there have been 25 flood claims nearby since 1982.

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 File 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	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 11 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 4 claims Severe Storms & Flooding, Feb 1986 · 2 claims

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 3668 Porter Gulch Rd is moderate, ranking above 58% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 58% of the US · lower than 65% of California
Wildfire Likelihood	0.1% 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.

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 24 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, Surfnet Communications.

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