Santa Cruz County property record for 404 Aptos Creek Rd, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,414 sqft · built 1965 |
| Lot Size | 0.132 acres (5,750 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $1,893 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage Sep 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-217-15 |
| Primary APN | 040-217-15 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Building Area | 1,414 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 2005 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 5,750 sqft (0.132 acres) |
| Terrain | Steep |
| Deck Area | 461 sqft |
| Patio Area | 461 sqft |
| Sewer | Septic |
|---|---|
| Water Source | Commercial |
| Street Address | 404 APTOS CREEK RD |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-3950 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-6 |
| Legal Description | BLK 4 LOT 8-9 |
| Legal Subdivision | MONTE TOYON/RIO DEL MAR 01 |
| Legal Block | 4 |
| Legal Lot Number | 9 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 122002 |
404 Aptos Creek Rd is held in a trust since December 2008.
Source: Santa Cruz County records, as of August 19, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 404 APTOS CREEK RD, APTOS, CA 95003-3950 |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Apr 12, 2022 | Deed of Trust, Mortgage · Commercial Mortgage COMERICA BANK |
| Sep 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ENVOY MORTGAGE LTD |
| Aug 29, 2017 | Deed of Trust, Mortgage · Line of Credit COMERICA BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Dec 22, 2008 |
| Transfer Doc | 0000002157 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 404 APTOS CREEK RD, APTOS, CA 95003 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2022 |
| Name | Verified Name |
|---|---|
| Address | 404 APTOS CREEK RD, APTOS, CA 95003 |
| Document Number | 0000011741 |
|---|---|
| Date | Apr 12, 2022 |
| Instrument | 2022-0011741 |
| Name | COMERICA BANK |
|---|---|
| Type | Bank |
| Address | DALLAS, TX 75201 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 9, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 404 APTOS CREEK RD, APTOS, CA 95003 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2021 |
| Title Company | STEWART TITLE, STEWART TITLE OF CA INC |
| Name | Verified Name |
|---|---|
| Address | 404 APTOS CREEK RD, APTOS, CA 95003 |
| Document Number | 0000049589 |
|---|---|
| Date | Sep 29, 2021 |
| Instrument | 2021-0049589 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Address | HOUSTON, TX 77043 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 404 APTOS CREEK RD, APTOS, CA 95003 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000028550 |
|---|---|
| Date | Aug 29, 2017 |
| Instrument | 2017-0028550 |
| Name | COMERICA BANK |
|---|---|
| Type | Bank |
| Address | DALLAS, TX 75201 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 404 Aptos Creek Rd was $1,893.
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 | $129,879 (+2%) Land $17,632 Building $112,247 | ||
| 2025 | $1,893.00 | $127,332 Land $17,286 Building $110,046 | |
| 2023 | $1,661.00 (+2.34%) | $122,388 Land $16,615 Building $105,773 | $864,990 |
| 2022 | $1,623.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 404 Aptos Creek 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 404 Aptos Creek Rd is moderate, ranking above 43% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 43% of the US · lower than 74% of California |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 151 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
May also be available: AT&T, Cruzio, Surfnet Communications, T-Mobile, Verizon.
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