3920 Porter Gulch Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 3920 Porter Gulch Rd, Aptos, CA 95003

Property Summary

Property Type	Recreational Vacant Land
Details	2 bd · 1 ba · 1,090 sqft · built 1925
Lot Size	0.951 acres (41,426 sqft)
Owner	Individual Name on Record
Last Sale	$790,000 (Aug 2025)
Tax Bill	$1,182 (2025)
Deeds & Mortgages	Aug 2025 Mortgage Aug 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`040-061-05`

Property Details

APN / Parcel Number

Primary APN	`040-061-05`
Alternative APN	`040-061-05-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	1,090 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1960
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	41,426 sqft (0.951 acres)
Terrain	Steep

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3920 PORTER GULCH RD
City	APTOS
State	CA
Zip	95003-2709
Property Category	Public Works
Property Type	Public Works > Recreational Vacant Land
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 19, 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	3920 PORTER GULCH RD, APTOS, CA 95003-2709
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2025	Deed of Trust, Mortgage · Commercial Mortgage WENDY H FISHER FAMILY TRUST
Aug 25, 2025	Grant Deed, Transfer · Conventional Mortgage PREMIER MORTGAGE RESOURCES LLC
Jan 31, 2024	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 31, 2024	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 25, 2025 · Amount on Record
Deed Sale	Aug 25, 2025 · Amount on Record
Prior Sale	Jan 31, 2024 · Amount on Record
Deed Document Number	202517848
Prior Transfer Date	Jul 15, 2013
Prior Transfer Doc	0000038126
Record Updated	Sep 20, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3920 PORTER GULCH RD, APTOS, CA 95003-2709
Transaction Type	Mortgage
Record Updated	Sep 29, 2025
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3920 PORTER GULCH RD, APTOS, CA 95003-2709

Mortgage

Document Number	0000017850
Date	Aug 25, 2025
Instrument	2025-0017850

Lender

Name	WENDY H FISHER FAMILY TRUST
Type	Private Party
Address	18127 22ND DR SE, BOTHELL, WA 98012

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

August 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 25, 2025
Property Address	3920 PORTER GULCH RD, APTOS, CA 95003-2709
Document Number	0000017848
Instrument Date	Aug 20, 2025
Instrument	2025-0017848
Transaction Type	Transfer
Record Updated	Sep 29, 2025
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$869.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3920 PORTER GULCH RD, APTOS, CA 95003-2709

Mortgage

Document Number	0000017849
Date	Aug 25, 2025
Instrument	2025-0017849

Lender

Name	PREMIER MORTGAGE RESOURCES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 31, 2024
Property Address	3920 PORTER GULCH RD, APTOS, CA 95003-2709
Document Number	0000001911
Instrument Date	Jan 28, 2024
Instrument	2024-0001911
Transaction Type	Transfer
Record Updated	Feb 16, 2024
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3920 PORTER GULCH RD, APTOS, CA 95003-2709

Mortgage

Document Number	0000001912
Date	Jan 31, 2024
Instrument	2024-0001912

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 31, 2024
Property Address	3920 PORTER GULCH RD, APTOS, CA 95003-2709
Document Number	0000001913
Instrument Date	Jan 25, 2024
Instrument	2024-0001913
Transaction Type	Transfer
Record Updated	Feb 16, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	3920 PORTER GULCH RD, APTOS, CA 95003-2709

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		$790,000 (+1,439.66%) Land $650,000 Building $140,000
2025	$1,182.00 (+16.22%)	$51,310 (+4.04%) Land $24,408 Building $26,902
2023	$1,017.00 (+2.01%)	$49,318 Land $23,460 Building $25,858	$772,650
2022	$997.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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