410 Locke Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 410 Locke Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,625 sqft · built 1973
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$280,000 (Sep 1994)
Tax Bill	$7,158 (2025)
Deeds & Mortgages	Apr 2022 Transfer Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`044-213-08`

Property Details

APN / Parcel Number

Primary APN	`044-213-08`
Alternative APN	`044-213-08-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,625 sqft Living Area
Gross Area	2,105 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Deck Area	393 sqft
Patio Area	393 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	410 LOCKE DR
City	APTOS
State	CA
Zip	95003-5245
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-5
Legal Subdivision	APTOS BCH CNTRY CLB PROP 01
Legal Block	22
Legal Lot Number	20
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1007
Census Tract	122203

Owner

410 Locke Dr is owned and occupied by an individual who acquired it in April 2022.

Source: Santa Cruz County records, as of August 19, 2026

Owner of Record	Individual Name on File
Mailing Address	410 LOCKE DR, APTOS, CA 95003-5245
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2022	Intrafamily Transfer, Transfer
Apr 22, 2020	Deed of Trust, Mortgage · Conventional with PMI PLANET HM LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 1994 · Amount on File
Deed Sale	Sep 16, 1994 · Amount on File
Deed Document Number	199463961
Deed Book / Page	5569 / 938
Last Transfer Date	Apr 8, 2022
Transfer Doc	0000011937
Record Updated	Sep 20, 2026

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 13, 2022
Property Address	410 LOCKE DR, APTOS, CA 95003-5245
Document Number	0000011937
Map Reference	VOL 23 PG 1
Instrument Date	Apr 8, 2022
Instrument	2022-0011937
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	Living Trust
Address	410 LOCKE DR, APTOS, CA 95003-5245

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	410 LOCKE DR, APTOS, CA 95003-5245
Document Number	0000014699
Instrument Date	Apr 22, 2020
Transaction Type	Mortgage
Record Updated	May 14, 2020
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 LOCKE DR APTOS CA 950035245, APTOS, CA 95003-5245

Mortgage

Document Number	0000014699
Date	Apr 29, 2020
Instrument	14699

Lender

Name	PLANET HM LNDG
Address	MERIDEN, CT 06450

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 28, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 410 Locke Dr was $7,158 with a homeowner's exemption.

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		$507,722 (+2%) Land $291,268 Building $216,454
2025	$7,158.00 Homeowner's exemption	$497,767 Land $285,557 Building $212,210
2023	$6,436.00 (+2.57%) Homeowner's exemption	$478,438 Land $274,469 Building $203,969	$1,058,400
2022	$6,275.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 410 Locke Dr 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

Wildfire risk around 410 Locke Dr is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

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 574 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: AT&T, Cruzio, Etheric Networks, Surfnet Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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