3856 Porter Gulch Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 3856 Porter Gulch Rd, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,236 sqft · built 1935
Lot Size	0.523 acres (22,782 sqft)
Owner	Individual Name on Record
Last Sale	$945,000 (Nov 2017)
Tax Bill	$12,901 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`040-061-02`

Property Details

APN / Parcel Number

Primary APN	`040-061-02`
Alternative APN	`040-061-02-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	2,236 sqft Living Area
Gross Area	2,698 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	22,782 sqft (0.523 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Deck Area	658 sqft
Patio Area	658 sqft

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	3856 PORTER GULCH RD
City	APTOS
State	CA
Zip	95003-2709
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1017
Census Tract	122001

Owner

Source: Santa Cruz County records, as of August 24, 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	3856 PORTER GULCH RD, APTOS, CA 95003-2709
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage NEXERA HOLDING LLC
Nov 9, 2017	Grant Deed, Transfer · Conventional Mortgage PRIVATE INDIVIDUAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 9, 2017 · Amount on Record
Deed Sale	Nov 9, 2017 · Amount on Record
Prior Sale	Sep 3, 2015 · Amount on Record
Deed Document Number	201737915
Prior Transfer Date	Aug 31, 2015
Prior Transfer Doc	0000036122
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3856 PORTER GULCH RD, APTOS, CA 95003-2709
Transaction Type	Mortgage
Record Updated	Feb 23, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3856 PORTER GULCH RD, APTOS, CA 95003-2709

Mortgage

Document Number	0000005888
Date	Feb 2, 2021
Instrument	2021-0005888

Lender

Name	NEXERA HOLDING LLC
Type	Mortgage Company
Address	EMERYVILLE, CA 94608

Agreement

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

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 9, 2017
Property Address	3856 PORTER GULCH RD, APTOS, CA 95003-2709
Document Number	0000037915
Instrument Date	Nov 2, 2017
Instrument	37915
Transaction Type	Transfer
Record Updated	Nov 24, 2017
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,039.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	3856 PORTER GULCH RD APTOS CA 950032709, APTOS, CA 95003-2709

Mortgage

Document Number	37917
Date	Nov 9, 2017
Instrument	37917

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party
Address	OAKLAND, CA 94612

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Mortgage

Document Number	37916,
Date	Nov 9, 2017
Instrument	37916

Lender

Name	OPES ADVISORS
Address	TROY, MI 48098

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 8, 2047

Tax Assessment & Valuation

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		$1,096,754 (+2%) Land $767,728 Building $329,026
2025	$12,901.00 (+9.1%) Homeowner's exemption	$1,075,249 (+4.04%) Land $752,674 Building $322,575
2023	$11,825.00 (+0.83%) Homeowner's exemption	$1,033,496 Land $723,447 Building $310,049	$1,001,970
2022	$11,728.00

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
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	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

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

Wildfire Risk	Moderate above 50% of the US · lower than 70% 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.

Cell Coverage

5G and 4G LTE (outdoors only)

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