400 Light Springs Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 400 Light Springs Rd, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,474 sqft · built 2001
Lot Size	3.66 acres (159,560 sqft)
Owner	Individual Name on Record
Tax Bill	$29,734 (2025)
Deeds & Mortgages	Apr 2019 Line of Credit Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`107-531-11`

Property Details

APN / Parcel Number

Primary APN	`107-531-11`
Alternative APN	`107-531-11-000`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Building Area	3,474 sqft Living Area
Gross Area	4,038 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	159,560 sqft
Terrain	Steep
View / Lot	Ocean
Garage Type	Attached
Garage Area	564 sqft
Parking Spaces	2 Parking Spaces
Deck Area	501 sqft
Patio Area	501 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic

Location & Zoning

Street Address	400 LIGHT SPRINGS RD
City	APTOS
State	CA
Zip	95003-9308
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SU
Legal Subdivision	DE LOS CORRALITOS RHO
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1000
Census Tract	122002

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	400 LIGHT SPRINGS RD, APTOS, CA 95003-9308
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2019	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Oct 26, 2020	Grant Deed, Transfer WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jun 27, 2022
Transfer Doc	0000022640
Record Updated	Sep 20, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	400 LIGHT SPRINGS RD, APTOS, CA 95003-9308
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008412
Date	Apr 3, 2019
Instrument	2019-0008412

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 27, 2049

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 26, 2020
Property Address	400 LIGHT SPRINGS RD, APTOS, CA 95003-9308
Document Number	0000043867
Instrument Date	Oct 26, 2020
Instrument	43867
Transaction Type	Transfer
Record Updated	Nov 16, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,805.00
Amount Accuracy	Full Value
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	577 LATIMER CIR CAMPBELL CA 950081935, CAMPBELL, CA 95008-1935

Mortgage

Document Number	43868
Date	Oct 26, 2020
Instrument	43868

Lender

Name	WELLS FARGO BK
Type	Bank
Address	101 N PHILLIPS AVE, SIOUX FALLS, SD 57104-6738

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 25, 2050

Interest

Rate Type	Adjustable Rate
Rate	1.75%

Tax Assessment & Valuation

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		$2,594,590 (+2%) Land $1,269,693 Building $1,324,897
2025	$29,734.00 (+8.96%) Homeowner's exemption	$2,543,716 (+4.04%) Land $1,244,797 Building $1,298,919
2023	$27,290.00 (+1.83%) Homeowner's exemption	$2,444,940 Land $1,196,460 Building $1,248,480	$2,545,740
2022	$26,800.00

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
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

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

Wildfire Risk	Moderate above 65% of the US · above 40% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CENTRAL WATER DISTRICT serves 2,726 people · EPA ID CA4410018
Water Source	Groundwater
Last State Inspection	Sep 2022
Lead	Under 1 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cruzio Fixed Wireless	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Razzolink.

Cell Coverage

5G (outdoors only) and 4G LTE

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