3805 Fern Flat Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 3805 Fern Flat Rd, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,712 sqft · built 1967
Lot Size	2.17 acres (94,612 sqft)
Owner	2 Individual Names on File
Last Sale	$42,500 (Jan 1999)
Tax Bill	$9,683 (2025)
Deeds & Mortgages	May 2020 Line of Credit Jan 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`105-031-44`

Property Details

APN / Parcel Number

Primary APN	`105-031-44`
Alternative APN	`105-031-44-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Building Area	3,712 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	94,612 sqft
Terrain	Combination
View / Lot	Ocean
Garage Type	Carport
Garage Area	1,080 sqft
Carport	Carport
Carport Area	1,080 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	3805 FERN FLAT RD
City	APTOS
State	CA
Zip	95003-2657
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Subdivision	SOQUEL AUGMENTATION RHO
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1000
Census Tract	122002

Owner

3805 Fern Flat Rd is owned and occupied by two individuals who acquired it in January 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	3805 FERN FLAT RD, APTOS, CA 95003-2657
Occupancy	Owner Occupied
Owner Type	Individual

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 23, 2020	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BK
Jan 22, 2019	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 12, 1999 · Amount on File
Deed Sale	Jan 12, 1999 · Amount on File
Prior Sale	Sep 4, 1996 · Amount on File
Deed Document Number	19992227
Last Transfer Date	Jan 22, 2015
Transfer Doc	0000003434
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3805 FERN FLAT RD, APTOS, CA 95003-2657
Document Number	0000019769
Instrument Date	May 23, 2020
Transaction Type	Mortgage
Record Updated	Jun 25, 2020
Title Company	OTHER

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	3805 FERN FLAT RD APTOS CA 950032657, APTOS, CA 95003-2657

Mortgage

Document Number	0000019769
Date	Jun 8, 2020
Instrument	19769

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 7, 2050

Interest

Rate Type	Adjustable Rate

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3805 FERN FLAT RD, APTOS, CA 95003-2657
Document Number	0000002174
Instrument Date	Jan 22, 2019
Transaction Type	Mortgage
Record Updated	Feb 13, 2019
Title Company	AMROCK TITLE COMPANY, AMROCK TITLE CO

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3805 FERN FLAT RD APTOS CA 950032657, APTOS, CA 95003-2657

Mortgage

Document Number	0000002174
Date	Jan 28, 2019
Instrument	2174

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 27, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3805 Fern Flat Rd was $9,683 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		$803,238 (+2%) Land $290,728 Building $512,510
2025	$9,683.00 Homeowner's exemption	$787,488 Land $285,028 Building $502,460
2023	$8,833.00 (+1.97%) Homeowner's exemption	$756,910 Land $273,960 Building $482,950	$1,780,200
2022	$8,662.00

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

Flood

FEMA maps place 3805 Fern Flat Rd in Zone X, an area of minimal flood risk, though there have been 7 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	7 (1982–2000)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Feb 2000 · rainfall accumulation
Claims by Event	Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 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 3805 Fern Flat Rd is moderate, ranking above 67% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 67% of the US · above 41% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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