413 Gay Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 413 Gay Rd, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,276 sqft · built 1966
Lot Size	0.164 acres (7,144 sqft)
Owner	Individual Name on Record
Last Sale	$800,000 (Jun 2016)
Tax Bill	$12,419 (2025)
Deeds & Mortgages	Apr 2023 Transfer Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`044-382-18`

Property Details

APN / Parcel Number

Primary APN	`044-382-18`
Alternative APNs	`044-382-18-000` `04421219000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,276 sqft Living Area
Gross Area	1,656 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	7,144 sqft (0.164 acres)
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	413 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 PROPS 01
Legal Block	19
Legal Lot Number	6
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1005
Census Tract	122203

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	Individual Name on Record
Mailing Address	413 GAY RD, APTOS, CA 95003-5219
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2023	Intrafamily Transfer, Transfer
Oct 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage MASON MCDUFFIE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2016 · Amount on Record
Deed Sale	Jun 1, 2016 · Amount on Record
Prior Sale	Oct 28, 1997 · Amount on Record
Deed Document Number	201619431
Prior Transfer Date	Nov 10, 2009
Prior Transfer Doc	0000055847
Record Updated	Sep 20, 2026

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 14, 2023
Property Address	413 GAY RD, APTOS, CA 95003-5219
Document Number	0000006520
Map Reference	MB 23 PG 1
Instrument Date	Mar 24, 2023
Instrument	2023-0006520
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
Address	413 GAY RD, APTOS, CA 95003-5219

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	413 GAY RD, APTOS, CA 95003-5219
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 GAY RD, APTOS, CA 95003-5219

Mortgage

Document Number	0000044932
Date	Oct 29, 2020
Instrument	2020-0044932

Lender

Name	MASON MCDUFFIE MORTGAGE CORP
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

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		$965,979 (+2%) Land $784,858 Building $181,121
2025	$12,419.00 (+11.03%)	$947,039 (+4.04%) Land $769,469 Building $177,570
2023	$11,185.00 (+2.19%)	$910,263 Land $739,589 Building $170,674	$1,022,670
2022	$10,945.00

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
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

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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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