Santa Cruz County property record for 4147 Porter Gulch Rd, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,524 sqft · built 1979 |
| Lot Size | 3.28 acres (143,051 sqft) |
| Owner | 2 Trust Names on Record |
| Tax Bill | $11,415 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit Aug 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-401-02 |
| Primary APN | 040-401-02 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 3,524 sqft Living Area |
| Gross Area | 4,274 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 143,051 sqft |
| View / Lot | Ocean |
| Garage Type | Attached |
| Garage Area | 750 sqft |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | 209 sqft |
| Patio Area | 209 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 4147 PORTER GULCH RD |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-2712 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | PARCEL MAPS 24 PG 60 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 122001 |
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 | 2 Trust Names on Record |
|---|---|
| Mailing Address | 4147 PORTER GULCH RD, APTOS, CA 95003-2712 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Sep 15, 2025 | Deed of Trust, Mortgage · Line of Credit USALLIANCE FCU |
| Aug 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ON Q FINANCIAL INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jul 25, 2013 |
| Transfer Doc | 0000041066 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 4147 PORTER GULCH RD, APTOS, CA 95003-2712 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2025 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 4147 PORTER GULCH RD, APTOS, CA 95003-2712 |
| Document Number | 0000019379 |
|---|---|
| Date | Sep 15, 2025 |
| Instrument | 2025-0019379 |
| Name | USALLIANCE FCU |
|---|---|
| Type | Credit Union |
| Address | RYE, NY 10580 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 14, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 4147 PORTER GULCH RD, APTOS, CA 95003-2712 |
| Transaction Type | Mortgage |
| Record Updated | Sep 7, 2021 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 4147 PORTER GULCH RD, APTOS, CA 95003-2712 |
| Document Number | 0000043616 |
|---|---|
| Date | Aug 20, 2021 |
| Instrument | 2021-0043616 |
| Name | ON Q FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Address | TEMPE, AZ 85281 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
Source: Santa Cruz County assessment roll, as of August 19, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $978,662 (+2%) Land $512,833 Building $465,829 | ||
| 2025 | $11,415.00 (+9.28%) Homeowner's exemption | $959,472 (+4.04%) Land $502,777 Building $456,695 | |
| 2023 | $10,446.00 (+0.85%) Homeowner's exemption | $922,214 Land $483,253 Building $438,961 | $2,050,830 |
| 2022 | $10,358.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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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