Santa Cruz County property record for 408 Sumner Ave, Aptos, CA 95003 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1.5 Baths |
| Year Built | Built 1973 |
| Square Footage | 1,494 sqft Living Area |
| Lot Size | 4,356 sqft (0.1 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $699,000 (2018) |
| Tax Bill | $5,211.00 (2025) |
| Primary APN | 044-321-08 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,494 sqft Living Area |
| Gross Area | 1,699 sqft Gross Area |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Construction Type | Wood Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 4,356 sqft (0.1 acres) |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 205 sqft Garage |
| Deck Area | 204 sqft Deck |
| Patio Area | 204 sqft Patio |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Sewage | Municipal Sewage |
| Water Source | Commercial Water Source |
| Street Address | 408 SUMNER AVE |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-5215 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | APTOS BEACH COUNTRY 01 BLK 25 LOT 1 MAP 23 1 |
| Legal Subdivision | APTOS BCH CNTRY CLB PROP 01 |
| Legal Block | 25 |
| Legal Lot Number | 1 |
| Jurisdiction | SANTA CRUZ CA |
| Minor Civil Division | SANTA CRUZ |
| Census Blockgroup | 2 |
| Census Block | 2000 |
| Census Tract | 122205 |
Source: Santa Cruz County records · APN 044-321-08
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 408 SUMNER AVE, APTOS, CA 95003-5215 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 08, 2021 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Sep 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CHANGE LENDING LLC |
| Aug 02, 2019 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Aug 02, 2019 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Mar 28, 2018 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Jul 30, 2018 | Deed of Trust, Mortgage · Conventional Mortgage COMMERCE MORTGAGE |
| Sep 28, 2018 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Jul 20, 2020 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Apr 01, 2020 | Deed of Trust, Mortgage · Conventional Mortgage COMMERCE HOME MORTGAGE LLC |
| Nov 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage COMMERCE HOME MORTGAGE LLC |
| Jun 15, 2018 | Grant Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 15, 2018 · Amount on Record |
| Deed Sale | Jun 15, 2018 · Amount on Record |
| Prior Sale | Aug 19, 1996 · Amount on Record |
| Deed Doc Number | 201818276 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 408 SUMNER AVE, APTOS, CA 95003-5215 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Title Company | RADIAN SETTLEMENT |
| Name | Verified Name |
|---|---|
| Address | 408 SUMNER AVE, APTOS, CA 95003-5215 |
| Document Number | 0000059470 |
|---|---|
| Date | Dec 08, 2021 |
| Instrument | 2021-0059470 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 10, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 408 SUMNER AVE, APTOS, CA 95003-5215 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2021 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 408 SUMNER AVE, APTOS, CA 95003-5215 |
| Document Number | 0000047457 |
|---|---|
| Date | Sep 15, 2021 |
| Instrument | 2021-0047457 |
| Name | CHANGE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92606 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 408 SUMNER AVE, APTOS, CA 95003-5215 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000022131 |
|---|---|
| Date | Aug 02, 2019 |
| Instrument | 2019-0022131 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | FARGO, ND 58102 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jul 27, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 408 SUMNER AVE, APTOS, CA 95003-5215 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000022130 |
|---|---|
| Date | Aug 02, 2019 |
| Instrument | 2019-0022130 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | APTOS, CA 95003 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 408 SUMNER AVE, APTOS, CA 95003-5215 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000009228 |
|---|---|
| Date | Mar 28, 2018 |
| Instrument | 2018-0009228 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OSHKOSH, WI 54902 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 408 SUMNER AVE, APTOS, CA 95003-5215 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | STEWART TITLE OF CALIFORNIA |
| Name | Verified Name |
|---|
| Document Number | 0000023188 |
|---|---|
| Date | Jul 30, 2018 |
| Instrument | 2018-0023188 |
| Name | COMMERCE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | SAN RAMON, CA 94583 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 408 SUMNER AVE, APTOS, CA 95003-5215 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | SOLIDIFI US INC |
| Name | Verified Name |
|---|
| Document Number | 0000029580 |
|---|---|
| Date | Sep 28, 2018 |
| Instrument | 2018-0029580 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 07, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 408 SUMNER AVE, APTOS, CA 95003-5215 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | SOLIDIFI TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000026493 |
|---|---|
| Date | Jul 20, 2020 |
| Instrument | 2020-0026493 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | May 28, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 408 SUMNER AVE, APTOS, CA 95003-5215 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000011161 |
|---|---|
| Date | Apr 01, 2020 |
| Instrument | 2020-0011161 |
| Name | COMMERCE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92606 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 408 SUMNER AVE, APTOS, CA 95003-5215 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | OLD REPUBLIC TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 408 SUMNER AVE, APTOS, CA 95003-5215 |
| Document Number | 0000048177 |
|---|---|
| Date | Nov 13, 2020 |
| Instrument | 2020-0048177 |
| Name | COMMERCE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92606 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Jun 15, 2018 |
| Property Address | 408 SUMNER AVE, APTOS, CA 95003-5215 |
| Document Number | 0000018276 |
| Map Reference | MB 23 PG 1 |
| Instrument Date | Jun 05, 2018 |
| Instrument | 2018-0018276 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | STEWART TITLE OF CALIFORNIA |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property (Marital Community) with Rights of Survivorship |
| Address | PO BOX 1766, APTOS, CA 95001-1766 |
| Document Number | 0000018277 |
|---|---|
| Date | Jun 15, 2018 |
| Instrument | 2018-0018277 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2048 |
Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $332,091 (+2%) Land $182,741 Building $149,350 | ||
| 2025 | $5,211.00 (+12.19%) Homeowner's exemption | $325,579 (+4.04%) Land $179,158 Building $146,421 | |
| 2023 | $4,645.00 (+2.9%) Homeowner's exemption | $312,936 Land $172,201 Building $140,735 | $891,000 |
| 2022 | $4,514.00 |
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