401 Rio del Mar Blvd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 401 Rio del Mar Blvd, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,659 sqft · built 1974
Lot Size	0.245 acres (10,672 sqft)
Owner	Trust Name on File
Last Sale	$1,475,000 (Dec 2021)
Tax Bill	$19,310 (2025)
Deeds & Mortgages	Jul 2023 Transfer Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`044-272-10`

Property Details

APN / Parcel Number

Primary APN	`044-272-10`
Alternative APN	`044-272-10-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,659 sqft Living Area
Gross Area	2,143 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1990
Construction Type	Wood
Roof Material	Other
Lot Area	10,672 sqft (0.245 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Deck Area	220 sqft
Patio Area	220 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	401 RIO DEL MAR BLVD
City	APTOS
State	CA
Zip	95003-4708
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-8
Legal Description	TRACT 408 LOT 16
Legal Subdivision	APTOS BEACH PINES
Legal Tract	408
Legal Lot Number	16
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	3
Census Block	3000
Census Tract	122205

Owner

401 Rio del Mar Blvd is held in a trust since July 2023.

Source: Santa Cruz County records, as of August 19, 2026

Owner of Record	Trust Name on File
Mailing Address	736 COLE ST, SAN FRANCISCO, CA 94117-3912
Owner Type	Individual
Vesting	Trust, Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2023	Intrafamily Transfer, Transfer
Dec 29, 2021	Grant Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Apr 1, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2021 · Amount on File
Deed Sale	Dec 29, 2021 · Amount on File
Prior Sale	Nov 22, 1996 · Amount on File
Deed Document Number	202162452
Last Transfer Date	Jul 14, 2023
Transfer Doc	0000012969
Record Updated	Sep 20, 2026

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 17, 2023
Property Address	401 RIO DEL MAR BLVD, APTOS, CA 95003-4708
Document Number	0000012969
Map Reference	VOL 42 PG 47
Instrument Date	Jul 14, 2023
Instrument	2023-0012969
Transaction Type	Transfer
Record Updated	Aug 2, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	736 COLE ST, SAN FRANCISCO, CA 94117-3912

December 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 29, 2021
Property Address	401 RIO DEL MAR BLVD, APTOS, CA 95003-4708
Document Number	0000062452
Map Reference	VOL 42 PG 47
Instrument Date	Dec 10, 2021
Instrument	2021-0062452
Transaction Type	Transfer
Record Updated	Jan 12, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,622.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 RIO DEL MAR BLVD, APTOS, CA 95003-4708

Mortgage

Document Number	0000062453
Date	Dec 29, 2021
Instrument	2021-0062453

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 1, 2021
Property Address	401 RIO DEL MAR BLVD, APTOS, CA 95003-4708
Document Number	0000018801
Map Reference	VOL 42 PG 47
Instrument Date	Feb 12, 2021
Instrument	2021-0018801
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 RIO DEL MAR BLVD, APTOS, CA 95003-4708

Tax Assessment & Valuation

The 2025 property tax bill for 401 Rio del Mar Blvd was $19,310, up 7.6% from the year before.

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		$1,596,588 (+2%) Land $1,197,441 Building $399,147
2025	$19,310.00 (+7.58%)	$1,565,281 Land $1,173,961 Building $391,320
2024	$17,950.00 (+1.87%)
2023	$17,621.00 (+2.02%)	$1,504,500 (+2%) Land $1,128,375 Building $376,125	$1,383,930
2022	$17,272.00	$1,475,000 Land $1,106,250 Building $368,750

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 401 Rio del Mar Blvd in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2023.

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 File median of 63 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	63 in force
Nearby Flood Claims	7 (2023)
Most Recent Claim	Sep 2023 · tidal / storm surge
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 6 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

Wildfire risk around 401 Rio del Mar Blvd is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 712 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Surfnet Communications Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Cruzio, Etheric Networks, T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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