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390 Larsen Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 390 Larsen Rd, Aptos, CA 95003

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,428 sqft · built 1979
Lot Size7.49 acres (326,439 sqft)
Owner2 Trust Names on Record
Tax Bill$4,409 (2025)
Deeds & MortgagesMar 2021 Transfer
Feb 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN105-471-08

Property Details

APN / Parcel Number

Primary APN105-471-08
Alternative APN
  • 105-471-08-000

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Building Area2,428 sqft Living Area
Gross Area2,911 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1979
Effective Year BuiltEffective 1979
Construction TypeWood
Roof MaterialComposition Shingle
Lot Area326,439 sqft
TerrainSteep
View / LotMountain
Garage TypeAttached
Garage Area483 sqft
Parking Spaces2 Parking Spaces
Deck Area1,374 sqft
Patio Area1,374 sqft

Utilities, Heating & Cooling

Heating SystemHVAC
SewerSeptic
Water SourceWell

Location & Zoning

Street Address390 LARSEN RD
CityAPTOS
StateCA
Zip95003
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSU
JurisdictionSANTA CRUZ CA
Township / Civil DivisionSANTA CRUZ
Census Block Group1
Census Block1000
Census Tract122002

Owner

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 Record2 Trust Names on Record
Mailing AddressPO BOX 1206, APTOS, CA 95001-1206
OccupancyOwner Occupied
Owner TypeIndividual
VestingTrust, Family Trust

Deeds, Mortgages & Sale History

DateDocument
Mar 12, 2021Intrafamily Transfer, Transfer
ACCOMMODATION
Feb 26, 2021Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names2 Names on Deed
Last Transfer DateMar 10, 2021
Transfer Doc0000015009
Record UpdatedSep 20, 2026

March 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSANTA CRUZ CA
Recording DateMar 12, 2021
Property Address390 LARSEN RD, APTOS, CA 95003
Document Number0000015009
Map ReferenceMB 6 PG 15
Instrument DateMar 10, 2021
Instrument2021-0015009
Transaction TypeTransfer
Record UpdatedJun 7, 2023
Title CompanyACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address390 LARSEN RD, APTOS, CA 95003

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address390 LARSEN RD, APTOS, CA 95003
Transaction TypeMortgage
Record UpdatedMar 9, 2021
Title CompanyOLD REPUBLIC TITLE, OLD REPUBLIC TITLE CO

Transferred To (Grantee/Buyer)

NameVerified Name
Address390 LARSEN RD, APTOS, CA 95003

Mortgage

Document Number0000012056
DateFeb 26, 2021
Instrument2021-0012056
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
Unified School DistrictPajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$322,360 (+2%) Land $77,732 Building $244,628
2025$4,409.00 (+10.75%) Homeowner's exemption$316,040 (+4.04%) Land $76,208 Building $239,832
2023$3,981.00 (+2.29%) Homeowner's exemption$303,767 Land $73,248 Building $230,519$1,083,600
2022$3,892.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies5 in force
Nearby Flood Claims7 (1982–2000)
Claims Outside the SFHA6 of 7
Most Recent ClaimFeb 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

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

Wildfire RiskModerate
above 57% of the US · lower than 66% of California
Wildfire Likelihood0.2% annual chance
ExposureDirect
burnable vegetation

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 SystemTROUT GULCH MUTUAL WATER COMPANY
private · serves 614 people · EPA ID CA4400502
Water SourceGroundwater
Last State InspectionJul 2024
Lead4 ppb (2025–2027)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 15 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Xfinity
Cable		1,200 / 35
Starlink
Satellite		280 / 30
Etheric Networks
Fixed Wireless		250 / 100
Cruzio
Fixed Wireless		100 / 100
Surfnet Communications
Fixed Wireless		100 / 20

Cell Coverage

No cell data coverage reported

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