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406 Bernal St, Aptos, CA 95003 Property Records

Santa Cruz County property record for 406 Bernal St, Aptos, CA 95003 · Last verified August 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms4 Baths
Year BuiltBuilt 1971
Square Footage2,266 sqft Living Area
Lot Size28,227 sqft (0.648 acres)
OccupancyOwner Occupied
Last Sale$798,000 (2004)
Tax Bill$15,915.00 (2025)

Property Details

APN / Parcel Number

Primary APN041-021-16
Alternative APN
  • 041-021-16-000

Interior

Bedrooms4 Beds
Full Baths4 Baths
Total Rooms8 Rooms
Building Area2,266 sqft Living Area
Gross Area2,938 sqft Gross Area
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 1971
Effective Year BuiltEffective 1971
Architectural StyleDuplex Single Style
Construction TypeWood Construction
Roof MaterialComposition Shingle Roof
Lot Area28,227 sqft (0.648 acres)
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area672 sqft Garage
Deck Area1,517 sqft Deck
Patio Area1,517 sqft Patio

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemCentral Heating
SewageMunicipal Sewage
Water SourceCommercial Water Source

Location & Zoning

Street Address406 BERNAL ST
CityAPTOS
StateCA
Zip95003-3906
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
JurisdictionSANTA CRUZ CA
Minor Civil DivisionSANTA CRUZ
Census Blockgroup2
Census Block2000
Census Tract122204

Owner

Source: Santa Cruz County records · APN 041-021-16

Assessment roll updated August 19, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address406 BERNAL ST, APTOS, CA 95003-3906
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingCommunity Property

Deeds, Mortgages & Sale History

DateDocument
Nov 09, 2020Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Nov 22, 2017Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LNS

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 12, 2004 · Amount on Record
Deed SaleMar 12, 2004 · Amount on Record
Prior SaleMay 15, 2001 · Amount on Record
Deed Doc Number200415884
Last Transfer DateJun 15, 2012
Transfer Doc0000030452
Record RefreshedSep 20, 2026

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address406 BERNAL ST, APTOS, CA 95003-3906
Transaction TypeMortgage
Record UpdatedJul 25, 2022
Title CompanySTEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

NameVerified Name
Address406 408 BERNAL STREET, 408, APTOS, CA 95003-3906

Mortgage

Document Number0000046858
DateNov 09, 2020
Instrument2020-0046858
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 01, 2050

November 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address406 BERNAL ST, APTOS, CA 95003-3906
Document Number0000040009
Instrument DateNov 22, 2017
Transaction TypeMortgage
Record UpdatedJan 03, 2018
Title CompanyNEXTITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address406-408 BERNAL ST APTOS CA 950033906, APTOS, CA 95003-3906

Mortgage

Document Number0000040009
DateNov 29, 2017
Instrument40009
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 28, 2047

Tax Assessment & Valuation

Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
Unified School DistrictPajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes and is not a market price estimate.

YearTax BillAssessed Value
2026$1,181,951 (+2%) Land $609,098 Building $572,853
2025$15,915.00 (+10.23%) Homeowner's exemption$1,158,774 (+4.04%) Land $597,155 Building $561,619
2023$14,438.00 (+2.38%) Homeowner's exemption$1,113,778 Land $573,967 Building $539,811
2022$14,102.00

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