407 Seacliff Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 407 Seacliff Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,200 sqft · built 1957
Lot Size	0.081 acres (3,528 sqft)
Owner	2 Individual Names on Record
Last Sale	$695,000 (Mar 2016)
Tax Bill	$10,831 (2025)
Deeds & Mortgages	Apr 2021 Transfer Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`038-212-25`

Property Details

APN / Parcel Number

Primary APN	`038-212-25`
Alternative APN	`038-212-25-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,200 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Construction Type	Wood
Roof Material	Other
Lot Area	3,528 sqft (0.081 acres)
Garage Type	Carport
Garage Area	170 sqft
Carport	Carport
Carport Area	170 sqft
Deck Area	94 sqft
Patio Area	94 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	407 SEACLIFF DR
City	APTOS
State	CA
Zip	95003-4321
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-4
Legal Subdivision	SRACLIFF PARK 02
Legal Block	G
Legal Lot Number	9
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1023
Census Tract	122100

Owner

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	2 Individual Names on Record
Mailing Address	407 SEACLIFF DR, APTOS, CA 95003-4321
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2021	Intrafamily Transfer, Transfer
Jan 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage ON Q FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2016 · Amount on Record
Deed Sale	Mar 22, 2016 · Amount on Record
Prior Sale	Apr 3, 2003 · Amount on Record
Deed Document Number	20169647
Last Transfer Date	Apr 9, 2021
Transfer Doc	0000023398
Record Updated	Sep 20, 2026

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 23, 2021
Property Address	407 SEACLIFF DR, APTOS, CA 95003-4321
Document Number	0000023398
Map Reference	MB 18 PG 54
Instrument Date	Apr 9, 2021
Instrument	2021-0023398
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	407 SEACLIFF DR, APTOS, CA 95003-4321

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	407 SEACLIFF DR, APTOS, CA 95003-4321
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 SEACLIFF DR, APTOS, CA 95003-4321

Mortgage

Document Number	0000003463
Date	Jan 21, 2021
Instrument	2021-0003463

Lender

Name	ON Q FINANCIAL INC
Type	Funding / Finance Company
Address	TEMPE, AZ 85281

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2041

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		$839,194 (+2%) Land $642,980 Building $196,214
2025	$10,831.00 (+7.96%) Homeowner's exemption	$822,739 (+4.04%) Land $630,372 Building $192,367
2024	$10,032.00 (+2.21%)
2023	$9,815.00 (+2.27%) Homeowner's exemption	$790,791 Land $605,894 Building $184,897	$961,650
2022	$9,597.00

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
Flood Insurance Cost	Premium on Record median of 23 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	12 (1982–2023)
Claims Outside the SFHA	1 of 12
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 6 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 3 claims

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 514 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
Starlink Satellite	280 / 30
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Cruzio, GeoLinks, Verizon.

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