4149 Porter Gulch Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 4149 Porter Gulch Rd, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,162 sqft · built 2001
Lot Size	2.08 acres (90,605 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,540,000 (Dec 2017)
Tax Bill	$20,418 (2025)
Deeds & Mortgages	Jun 2023 Transfer Jun 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`040-401-08`

Property Details

APN / Parcel Number

Primary APN	`040-401-08`
Alternative APN	`040-401-08-000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Building Area	3,162 sqft Living Area
Gross Area	4,112 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Construction Type	Wood
Lot Area	90,605 sqft
Garage Type	Attached
Garage Area	950 sqft
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	4149 PORTER GULCH RD
City	APTOS
State	CA
Zip	95003-2712
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Subdivision	LANDS/AARON & JESSICA ZAJAC
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2008
Census Tract	122001

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	2 Individual Names on Record
Mailing Address	4149 PORTER GULCH RD, APTOS, CA 95003-2712
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2023	Intrafamily Transfer, Transfer
Jun 1, 2023	Intrafamily Transfer, Transfer
Jun 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage STAR ONE CU
Dec 29, 2017	Grant Deed, Transfer STAR ONE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2017 · Amount on Record
Deed Sale	Dec 29, 2017 · Amount on Record
Prior Sale	Jul 8, 2013
Deed Document Number	201744397
Last Transfer Date	May 23, 2023
Transfer Doc	0000009690
Record Updated	Sep 20, 2026

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 1, 2023
Property Address	4149 PORTER GULCH RD, APTOS, CA 95003-2712
Document Number	0000009691
Instrument Date	May 23, 2023
Instrument	2023-0009691
Transaction Type	Transfer
Record Updated	Jun 14, 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	Family Trust
Address	4149 PORTER GULCH RD, APTOS, CA 95003-2712

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 1, 2023
Property Address	4149 PORTER GULCH RD, APTOS, CA 95003-2712
Document Number	0000009690
Instrument Date	May 23, 2023
Instrument	2023-0009690
Transaction Type	Transfer
Record Updated	Jun 14, 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	Community Property with Right of Survivorship
Address	4149 PORTER GULCH RD, APTOS, CA 95003-2712

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4149 PORTER GULCH RD, APTOS, CA 95003-2712
Document Number	0000021519
Instrument Date	Jun 12, 2020
Transaction Type	Mortgage
Record Updated	Jul 2, 2020
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4149 PORTER GULCH RD APTOS CA 950032712, APTOS, CA 95003-2712

Mortgage

Document Number	0000021519
Date	Jun 18, 2020
Instrument	21519

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jun 17, 2045

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 29, 2017
Property Address	4149 PORTER GULCH RD, APTOS, CA 95003-2712
Document Number	0000044397
Instrument Date	Dec 21, 2017
Instrument	44397
Transaction Type	Transfer
Record Updated	Aug 30, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,694.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4149 PORTER GULCH RD APTOS CA 950032712, APTOS, CA 95003-2712

Mortgage

Document Number	44398
Date	Dec 29, 2017
Instrument	44398

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 28, 2047

Tax Assessment & Valuation

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		$1,787,303 (+2%) Land $1,119,966 Building $667,337
2025	$20,418.00 (+8.93%) Homeowner's exemption	$1,752,257 (+4.04%) Land $1,098,005 Building $654,252
2023	$18,744.00 (+0.79%) Homeowner's exemption	$1,684,216 Land $1,055,369 Building $628,847	$1,629,000
2022	$18,597.00

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	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

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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