370 Saint Andrews Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 370 Saint Andrews Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,191 sqft · built 1963
Lot Size	0.221 acres (9,627 sqft)
Owner	2 Companies on Record
Last Sale	$1,397,000 (May 2020)
Tax Bill	$18,807 (2025)
Deeds & Mortgages	Jun 2026 Sale Mar 2022 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`053-042-08`

Property Details

APN / Parcel Number

Primary APN	`053-042-08`
Alternative APN	`053-042-08-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,191 sqft Living Area
Gross Area	2,610 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 2015
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	9,627 sqft (0.221 acres)
Garage Type	Attached
Garage Area	419 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	195 sqft
Patio Area	195 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	370 SAINT ANDREWS DR
City	APTOS
State	CA
Zip	95003-5419
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10
Legal Subdivision	COUNTRY CLUB PARK UN #8 TR #321
Legal Lot Number	162
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1011
Census Tract	122203

Owner

Source: Santa Cruz County assessment roll, 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	2 Companies on Record
Mailing Address	370 SAINT ANDREWS DR, APTOS, CA 95003-5419
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Mar 16, 2022	Deed of Trust, Mortgage · Line of Credit ALTRA FCU
Nov 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Apr 9, 2020	Deed of Trust, Mortgage · Line of Credit THE BRIDGE LOANS INC
Dec 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
May 29, 2020	Grant Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Feb 12, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 2020 · Amount on Record
Deed Sale	May 29, 2020 · Amount on Record
Prior Sale	Aug 23, 2011 · Amount on Record
Deed Document Number	202018542
Prior Transfer Date	Feb 7, 2019
Prior Transfer Doc	0000003611
Record Updated	Sep 20, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 26, 2026
Property Address	370 SAINT ANDREWS DR, APTOS, CA 95003-5419
Document Number	0000014608
Instrument Date	Jun 25, 2026
Instrument	202614608
Transaction Type	Transfer
Record Updated	Jul 10, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	370 SAINT ANDREWS DR, APTOS, CA 95003-5419

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	370 SAINT ANDREWS DR, APTOS, CA 95003-5419
Transaction Type	Mortgage
Record Updated	Mar 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	370 SAINT ANDREWS DR, APTOS, CA 95003-5419

Mortgage

Document Number	0000008653
Date	Mar 16, 2022
Instrument	2022-0008653

Lender

Name	ALTRA FCU
Type	Credit Union
Address	ONALASKA, WI 54650

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	370 SAINT ANDREWS DR, APTOS, CA 95003-5419
Transaction Type	Mortgage
Record Updated	Nov 18, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TIT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	370 SAINT ANDREWS DR, APTOS, CA 95003-5419

Mortgage

Document Number	0000054828
Date	Nov 3, 2021
Instrument	2021-0054828

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	370 SAINT ANDREWS DR, APTOS, CA 95003-5419
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012302
Date	Apr 9, 2020
Instrument	2020-0012302

Lender

Name	THE BRIDGE LOANS INC
Type	Non-Lending Institution
Address	MANHATTAN BEACH, CA 90266

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Apr 3, 2021

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	370 SAINT ANDREWS DR, APTOS, CA 95003-5419
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	370 SAINT ANDREWS DR, APTOS, CA 95003-5419

Mortgage

Document Number	0000053879
Date	Dec 14, 2020
Instrument	2020-0053879

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 29, 2020
Property Address	370 SAINT ANDREWS DR, APTOS, CA 95003-5419
Document Number	0000018542
Map Reference	MB 37 PG 66
Instrument Date	May 26, 2020
Instrument	2020-0018542
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
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	370 SAINT ANDREWS DR, APTOS, CA 95003-5419

Mortgage

Document Number	0000018543
Date	May 29, 2020
Instrument	2020-0018543

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Jun 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.75%
Index	1-Year LIBOR
Max Rate	9.75%

February 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 12, 2019
Property Address	370 SAINT ANDREWS DR, APTOS, CA 95003-5419
Document Number	0000003611
Map Reference	MB 37 PG 66
Instrument Date	Feb 7, 2019
Instrument	2019-0003611
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

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	Joint Tenants
Address	1451 RIVER PARK DR STE 299, 299, SACRAMENTO, CA 95815-4522

Mortgage

Document Number	0000003612
Date	Feb 12, 2019
Instrument	2019-0003612

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

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		$1,558,380 (+2%) Land $956,000 Building $602,380
2025	$18,807.00 (+9.62%) Homeowner's exemption	$1,527,824 (+4.04%) Land $937,255 Building $590,569
2023	$17,156.00 (+2.04%) Homeowner's exemption	$1,468,496 Land $900,860 Building $567,636	$1,519,560
2022	$16,813.00

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

Flood

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

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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