Santa Cruz County property record for 3931 Fern Flat Rd, Aptos, CA 95003
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 2,636 sqft · built 1995 |
| Lot Size | 15.6 acres (682,062 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $7,511 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 105-521-01 |
| Primary APN | 105-521-01 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Building Area | 2,636 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 682,062 sqft |
| Terrain | Combination |
| View / Lot | Ocean |
| Garage Area | 608 sqft |
| Deck Area | 1,050 sqft |
| Patio Area | 1,050 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 3931 FERN FLAT RD |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-2659 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | SU |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 122002 |
3931 Fern Flat Rd, a rural home, is owned and occupied by an individual who acquired it in February 2022.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3931 FERN FLAT RD, APTOS, CA 95003-2659 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 8, 1994 |
| Deed Sale | Aug 8, 1994 |
| Prior Sale | Aug 8, 1994 · Amount on File |
| Deed Document Number | 199455853 |
| Deed Book / Page | 5551 / 52 |
| Last Transfer Date | Feb 18, 2022 |
| Transfer Doc | 0000006255 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Feb 25, 2022 |
| Property Address | 3931 FERN FLAT RD, APTOS, CA 95003-2659 |
| Document Number | 0000006255 |
| Map Reference | VOL 54 PG 10 |
| Instrument Date | Feb 18, 2022 |
| Instrument | 2022-0006255 |
| Transaction Type | Transfer |
| Record Updated | Mar 8, 2022 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 3931 FERN FLAT RD, APTOS, CA 95003-2659 |
| Document Number | 0000006256 |
|---|---|
| Date | Feb 25, 2022 |
| Instrument | 2022-0006256 |
| Name | CHANGE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
The 2025 property tax bill for 3931 Fern Flat Rd was $7,511.
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $550,228 (+2%) Land $143,460 Building $406,768 | ||
| 2025 | $7,511.00 | $539,439 Land $140,647 Building $398,792 | |
| 2023 | $6,854.00 (+2.16%) | $518,492 Land $135,186 Building $383,306 | $1,378,440 |
| 2022 | $6,709.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3931 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 |
|
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 risk around 3931 Fern Flat Rd is moderate, ranking above 64% 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 64% of the US · lower than 61% 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.
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 |
5G (outdoors only) and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures