411 Seacliff Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 411 Seacliff Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 800 sqft · built 1960
Lot Size	0.058 acres (2,526 sqft)
Owner	2 Company Names on File
Last Sale	$790,000 (Sep 2020)
Tax Bill	$11,276 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Jul 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`038-212-06`

Property Details

APN / Parcel Number

Primary APN	`038-212-06`
Alternative APN	`038-212-06-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	800 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1990
Architectural Style	Bungalow
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	2,526 sqft (0.058 acres)
Garage Type	Carport
Garage Area	375 sqft
Carport	Carport
Carport Area	375 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	411 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	SEACLIFF PARK 02
Legal Lot Number	7
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1023
Census Tract	122100

Owner

411 Seacliff Dr is owned by a company that acquired it in November 2024.

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

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

Owner of Record	2 Company Names on File
Mailing Address	5276 RUCKER DR, SAN JOSE, CA 95124-5642
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2020	Grant Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Jul 18, 2018	Deed of Trust, Mortgage · Conventional Mortgage MELA MULVIHILL
Jan 18, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2020 · Amount on File
Deed Sale	Sep 4, 2020 · Amount on File
Prior Sale	Jun 13, 2014 · Amount on File
Deed Document Number	202034771
Last Transfer Date	Nov 20, 2024
Transfer Doc	0000004487
Record Updated	Sep 20, 2026

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 4, 2020
Property Address	411 SEACLIFF DR, APTOS, CA 95003-4321
Document Number	0000034771
Map Reference	MB 18 PG 54
Instrument Date	Sep 1, 2020
Instrument	2020-0034771
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	5276 RUCKER DR, SAN JOSE, CA 95124-5642

Mortgage

Document Number	0000034772
Date	Sep 4, 2020
Instrument	2020-0034772

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	411 SEACLIFF DR, APTOS, CA 95003-4321
Document Number	0000022510
Instrument Date	Jul 18, 2018
Transaction Type	Mortgage
Record Updated	Aug 7, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	1927 WYNDHAM WAY LODI CA 952424761, LODI, CA 95242-4761

Mortgage

Document Number	0000022510
Date	Jul 24, 2018
Instrument	22510

Lender

Name	MELA MULVIHILL
Address	1110 TULLY RD # C, MODESTO, CA 95350-4996

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	36 Months
Due	Jul 23, 2021

Interest

Rate Type	Adjustable Rate

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 18, 2017
Property Address	411 SEACLIFF DR, APTOS, CA 95003-4321
Document Number	0000002045
Instrument Date	Nov 21, 2016
Instrument	2045
Transaction Type	Transfer
Record Updated	Jan 31, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2551 PINKERTON WAY LODI CA 952424803, LODI, CA 95242-4803

Tax Assessment & Valuation

The 2025 property tax bill for 411 Seacliff Dr was $11,276.

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		$872,224 (+2%) Land $741,390 Building $130,834
2025	$11,276.00	$855,121 Land $726,853 Building $128,268
2023	$10,228.00 (+2.24%)	$821,916 Land $698,629 Building $123,287	$832,050
2022	$10,004.00

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

Flood

FEMA maps place 411 Seacliff Dr in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1982.

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 File 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

Wildfire risk around 411 Seacliff Dr 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.

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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