Santa Cruz County property record for 401 Saint Andrews Dr, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 3,954 sqft · built 1965 |
| Lot Size | 0.432 acres (18,818 sqft) |
| Owner | Individual Name on File |
| Last Sale | $835,000 (Jul 2000) |
| Tax Bill | $18,092 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 053-043-03 |
| Primary APN | 053-043-03 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 11 Rooms |
| Building Area | 3,954 sqft Living Area |
| Gross Area | 4,354 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1990 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 18,818 sqft (0.432 acres) |
| Terrain | Steep |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 423 sqft |
| Patio Area | 423 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 401 SAINT ANDREWS DR |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-5420 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-10 |
| Legal Subdivision | COUNTRY CLUB PARK UN #6 TR #274 |
| Legal Lot Number | 144 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 122203 |
401 Saint Andrews Dr is owned and occupied by an individual who acquired it in May 2013.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 401 SAINT ANDREWS DR, APTOS, CA 95003-5420 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Dec 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 21, 2000 · Amount on File |
| Deed Sale | Jul 21, 2000 · Amount on File |
| Deed Document Number | 200035145 |
| Last Transfer Date | May 29, 2013 |
| Transfer Doc | 0000026885 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 401 SAINT ANDREWS DR, APTOS, CA 95003-5420 |
| Transaction Type | Mortgage |
| Record Updated | Oct 5, 2021 |
| Title Company | AMROCK TITLE CA INC, AMROCK TITLE CA |
| Name | Verified Name |
|---|---|
| Address | 401 SAINT ANDREWS DR, APTOS, CA 95003-5420 |
| Document Number | 0000048914 |
|---|---|
| Date | Sep 24, 2021 |
| Instrument | 2021-0048914 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 401 SAINT ANDREWS DR, APTOS, CA 95003-5420 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 401 SAINT ANDREWS DR, APTOS, CA 95003-5420 |
| Document Number | 0000055485 |
|---|---|
| Date | Dec 21, 2020 |
| Instrument | 2020-0055485 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jan 1, 2036 |
The 2025 property tax bill for 401 Saint Andrews Dr was $18,092 with a homeowner's exemption.
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 | $1,493,850 (+2%) Land $806,922 Building $686,928 | ||
| 2025 | $18,092.00 Homeowner's exemption | $1,464,559 Land $791,100 Building $673,459 | |
| 2023 | $16,498.00 (+1.96%) Homeowner's exemption | $1,407,688 Land $760,381 Building $647,307 | $1,848,060 |
| 2022 | $16,181.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 401 Saint Andrews Dr in Zone X, an area of minimal flood risk.
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 | 3 in force |
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 401 Saint Andrews Dr 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 444 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, Verizon.
5G (outdoors only) and 4G LTE
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