402 Locke Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 402 Locke Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,650 sqft · built 1978
Lot Size	0.104 acres (4,530 sqft)
Owner	2 Individual Names on File
Last Sale	$610,000 (Jul 2013)
Tax Bill	$9,984 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`044-211-20`

Property Details

APN / Parcel Number

Primary APN	`044-211-20`
Alternative APN	`044-211-20-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,650 sqft Living Area
Gross Area	2,130 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	4,530 sqft (0.104 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Deck Area	604 sqft
Patio Area	604 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	402 LOCKE DR
City	APTOS
State	CA
Zip	95003-5236
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-5
Legal Subdivision	APTOS BEACH CC PROPS 01
Legal Block	20
Legal Lot Number	21
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1013
Census Tract	122203

Owner

Source: Santa Cruz County assessment roll, 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	2 Individual Names on File
Mailing Address	402 LOCKE DR, APTOS, CA 95003-5236
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jan 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 12, 2013 · Amount on Record
Deed Sale	Jul 12, 2013 · Amount on Record
Prior Sale	Dec 28, 1999 · Amount on Record
Deed Document Number	201335202
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	402 LOCKE DR, APTOS, CA 95003-5236
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 LOCKE DR, APTOS, CA 95003-5236

Mortgage

Document Number	0000002420
Date	Jan 15, 2021
Instrument	2021-0002420

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	402 LOCKE DR, APTOS, CA 95003-5236
Document Number	0000004085
Instrument Date	Jan 24, 2017
Transaction Type	Mortgage
Record Updated	Feb 23, 2017
Title Company	TSI TITLE COMPANY/CA INC, TSI TITLE CO/CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	402 LOCKE DR APTOS CA 950035236, APTOS, CA 95003-5236

Mortgage

Document Number	0000004085
Date	Feb 2, 2017
Instrument	4085

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2047

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		$762,732 (+2%) Land $457,640 Building $305,092
2025	$9,984.00 (+10.48%) Homeowner's exemption	$747,776 (+4.04%) Land $448,666 Building $299,110
2023	$9,037.00 (+2.33%) Homeowner's exemption	$718,740 Land $431,244 Building $287,496	$1,143,720
2022	$8,831.00

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	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

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Cruzio, Etheric Networks, Surfnet Communications.

Cell Coverage

5G and 4G LTE (outdoors only)

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