Santa Cruz County property record for 407 Gay Rd, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,617 sqft · built 1966 |
| Lot Size | 0.125 acres (5,445 sqft) |
| Owner | Individual Name on File |
| Last Sale | $745,000 (Oct 2015) |
| Tax Bill | $11,575 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 044-382-15 |
| Primary APN | 044-382-15 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Building Area | 2,617 sqft Living Area |
| Gross Area | 3,090 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Construction Type | Wood |
| Roof Material | Other |
| Lot Area | 5,445 sqft (0.125 acres) |
| Garage Type | Attached |
| Garage Area | 473 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 418 sqft |
| Patio Area | 418 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 407 GAY RD |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-5219 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-5 |
| Legal Subdivision | APTOS BEACH CC PROPERTIES |
| Legal Block | 19 |
| Legal Lot Number | 9 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 122203 |
407 Gay Rd is owned and occupied by an individual who bought it in October 2015.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 407 GAY RD, APTOS, CA 95003-5219 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 27, 2015 · Amount on File |
| Deed Sale | Oct 27, 2015 · Amount on File |
| Deed Document Number | 201543245 |
| Prior Transfer Date | Aug 19, 2011 |
| Prior Transfer Doc | 0000033676 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 407 GAY RD, APTOS, CA 95003-5219 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SOLIDIFI TITLE & CLOSING |
| Name | Verified Name |
|---|
| Document Number | 0000030125 |
|---|---|
| Date | Aug 10, 2020 |
| Instrument | 2020-0030125 |
| Name | STRONG HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | MANASSAS, VA 20110 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2050 |
The 2025 property tax bill for 407 Gay Rd was $11,575 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 | $906,300 (+2%) Land $537,326 Building $368,974 | ||
| 2025 | $11,575.00 Homeowner's exemption | $888,529 Land $526,790 Building $361,739 | |
| 2023 | $10,501.00 (+2.24%) Homeowner's exemption | $854,026 Land $506,334 Building $347,692 | $1,194,390 |
| 2022 | $10,271.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 407 Gay Rd 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 407 Gay Rd 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 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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