Santa Cruz County property record for 405 Monterey Dr, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,297 sqft · built 1969 |
| Lot Size | 0.176 acres (7,667 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $250,000 (Dec 1994) |
| Tax Bill | $6,278 (2025) |
| Deeds & Mortgages | Mar 2020 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 044-121-01 |
| Primary APN | 044-121-01 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Building Area | 2,297 sqft Living Area |
| Gross Area | 2,738 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Construction Type | Wood |
| Roof Material | Other |
| Lot Area | 7,667 sqft (0.176 acres) |
| Terrain | Steep |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 277 sqft |
| Patio Area | 277 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 405 MONTEREY DR |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-4809 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-5 |
| Legal Subdivision | APTOS BEACH CC PROPS 01 |
| Legal Lot Number | F |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 122202 |
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 | 405 MONTEREY DR, APTOS, CA 95003-4809 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Borrower in Default |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 5, 1994 · Amount on Record |
| Deed Sale | Dec 5, 1994 · Amount on Record |
| Deed Document Number | 199479949 |
| Deed Book / Page | 5606 / 548 |
| Last Transfer Date | Mar 17, 2020 |
| Transfer Doc | 0000010856 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Mar 30, 2020 |
| Property Address | 405 MONTEREY DR, APTOS, CA 95003-4809 |
| Document Number | 0000010856 |
| Instrument Date | Mar 17, 2020 |
| Instrument | 10856 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 405 MONTEREY DR APTOS CA 950034809, APTOS, CA 95003-4809 |
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 | $428,342 (+2%) Land $214,171 Building $214,171 | ||
| 2025 | $6,278.00 (+11.59%) Homeowner's exemption | $419,942 (+4.04%) Land $209,971 Building $209,971 | |
| 2023 | $5,626.00 (+2.68%) Homeowner's exemption | $403,636 Land $201,818 Building $201,818 | $1,250,640 |
| 2022 | $5,479.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 4 in force |
| Nearby Flood Claims | 6 (1982–2016) |
| Claims Outside the SFHA | 3 of 6 |
| Most Recent Claim | Mar 2016 · rainfall accumulation |
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.
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 | 0.02% 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 511 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 |
| Surfnet Communications Fixed Wireless | 100 / 20 |
May also be available: Cruzio, Etheric Networks, Verizon.
5G (outdoors only) and 4G LTE
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