4140 Porter Gulch Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 4140 Porter Gulch Rd, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 6,092 sqft · built 1959
Lot Size	3.46 acres (150,979 sqft)
Owner	2 Individual Names on File
Last Sale	$1,825,000 (Jun 2017)
Tax Bill	$24,572 (2025)
Deeds & Mortgages	Jan 2021 Transfer Jan 2021 Transfer + 5 more
Flood Zone	Zone X (minimal risk)
APN	`040-401-03`

Property Details

APN / Parcel Number

Primary APN	`040-401-03`
Alternative APN	`040-401-03-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Building Area	6,092 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1995
Construction Type	Wood
Roof Material	Other
Lot Area	150,979 sqft
Terrain	Steep
View / Lot	Mountain
Garage Type	Carport
Garage Area	800 sqft
Carport	Carport
Carport Area	800 sqft
Parking Spaces	3 Parking Spaces
Deck Area	1,236 sqft
Patio Area	1,236 sqft
Total Buildings	4 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic

Location & Zoning

Street Address	4140 PORTER GULCH RD
City	APTOS
State	CA
Zip	95003-2711
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2008
Census Tract	122001

Owner

4140 Porter Gulch Rd is owned and occupied by two individuals who acquired it in January 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	4140 PORTER GULCH RD, APTOS, CA 95003-2711
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
Jan 21, 2021	Intrafamily Transfer, Transfer CHICAGO TITLE COMPANY
Jan 21, 2021	Quit Claim Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO
Feb 10, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 27, 2019	Deed of Trust, Mortgage · Line of Credit STAR ONE CU
Jun 27, 2019	Deed of Trust, Mortgage STAR ONE CU
May 25, 2018	Deed of Trust, Mortgage · Line of Credit STAR ONE CU
Jun 15, 2017	Grant Deed, Transfer · Conventional Mortgage BAY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2017 · Amount on File
Deed Sale	Jun 15, 2017 · Amount on File
Deed Document Number	201719637
Last Transfer Date	Jan 11, 2021
Transfer Doc	0000003348
Record Updated	Sep 20, 2026

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 21, 2021
Property Address	4140 PORTER GULCH RD, APTOS, CA 95003-2711
Document Number	0000003350
Instrument Date	Jan 11, 2021
Instrument	2021-0003350
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	CHICAGO TITLE COMPANY

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	4140 PORTER GULCH RD, APTOS, CA 95003-2711

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 21, 2021
Property Address	4140 PORTER GULCH RD, APTOS, CA 95003-2711
Document Number	0000003348
Instrument Date	Jan 11, 2021
Instrument	3348
Transaction Type	Transfer
Record Updated	Feb 25, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	4140 PORTER GULCH RD APTOS CA 950032711, APTOS, CA 95003-2711

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 10, 2020
Property Address	4140 PORTER GULCH RD, APTOS, CA 95003-2711
Document Number	0000004715
Instrument Date	Jan 24, 2020
Instrument	4715
Transaction Type	Transfer
Record Updated	Mar 4, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4140 PORTER GULCH RD APTOS CA 950032711, APTOS, CA 95003-2711

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4140 PORTER GULCH RD, APTOS, CA 95003-2711
Document Number	0000018437
Instrument Date	Jun 27, 2019
Transaction Type	Mortgage
Record Updated	Jul 17, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	PO BOX 1414 SOQUEL CA 950731414, SOQUEL, CA 95073-1414

Mortgage

Document Number	0000018437
Date	Jul 3, 2019
Instrument	18437

Lender

Name	STAR ONE CU
Type	Credit Union
Address	SUNNYVALE, CA 94088

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jul 2, 2044

Interest

Rate Type	Adjustable Rate

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4140 PORTER GULCH RD, APTOS, CA 95003-2711
Document Number	0000018436
Instrument Date	Jun 27, 2019
Transaction Type	Mortgage
Record Updated	Sep 9, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	PO BOX 1414 SOQUEL CA 950731414, SOQUEL, CA 95073-1414

Mortgage

Document Number	0000018436
Date	Jul 3, 2019
Instrument	18436

Lender

Name	STAR ONE CU
Type	Credit Union
Address	PO BOX 3643, SUNNYVALE, CA 94088-3643

Agreement

Amount	Amount on Record
Term	240 Months
Due	Jul 2, 2039

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4140 PORTER GULCH RD, APTOS, CA 95003-2711
Document Number	0000017253
Instrument Date	May 25, 2018
Transaction Type	Mortgage
Record Updated	Jun 19, 2018
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	4140 PORTER GULCH RD APTOS CA 950032711, APTOS, CA 95003-2711

Mortgage

Document Number	0000017253
Date	Jun 7, 2018
Instrument	17253

Lender

Name	STAR ONE CU
Type	Credit Union
Address	SUNNYVALE, CA 94088

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jun 6, 2043

Interest

Rate Type	Adjustable Rate

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 15, 2017
Property Address	4140 PORTER GULCH RD, APTOS, CA 95003-2711
Document Number	0000019637
Instrument Date	Jun 7, 2017
Instrument	2017-0019637
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
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	4140 PORTER GULCH RD, APTOS, CA 95003-2711

Mortgage

Document Number	0000019638
Date	Jun 15, 2017
Instrument	2017-0019638

Lender

Name	BAY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	May 2, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4140 Porter Gulch Rd was $24,572 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
Secondary School District	Santa Cruz City High School District (9-12) (09 - 12)
Elementary School District	Soquel Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$2,160,430 (+2%) Land $1,361,367 Building $799,063
2025	$24,572.00 Homeowner's exemption	$2,118,070 Land $1,334,674 Building $783,396
2023	$22,573.00 (+0.78%) Homeowner's exemption	$2,035,822 Land $1,282,847 Building $752,975	$2,009,070
2022	$22,399.00

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

Flood

FEMA maps place 4140 Porter Gulch Rd 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	4 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 4140 Porter Gulch Rd is moderate, ranking above 50% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 50% of the US · lower than 70% of California
Wildfire Likelihood	0.09% 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 56 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

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

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