415 Locke Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 415 Locke Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,726 sqft · built 1977
Lot Size	0.112 acres (4,879 sqft)
Owner	Company Name on File
Last Sale	$850,000 (Jun 2025)
Tax Bill	$5,112 (2025)
Deeds & Mortgages	Dec 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`044-215-10`

Property Details

APN / Parcel Number

Primary APN	`044-215-10`
Alternative APN	`044-215-10-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	1,726 sqft Living Area
Gross Area	2,206 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	4,879 sqft (0.112 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Deck Area	456 sqft
Patio Area	456 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	415 LOCKE DR
City	APTOS
State	CA
Zip	95003-5235
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-5
Legal Subdivision	APTOS BEACH CC PROPERTIES 01
Legal Lot Number	10
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1010
Census Tract	122203

Owner

Source: Santa Cruz County records · APN 044-215-10

Assessment roll updated August 19, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	PO BOX 1819, MOSES LAKE, WA 98837-0231
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 27, 2025 · Amount on Record
Deed Sale	Jun 27, 2025 · Amount on Record
Prior Sale	Sep 19, 2001 · Amount on Record
Deed Document Number	202513388
Prior Transfer Date	Dec 19, 2018
Prior Transfer Doc	0000038315
Record Updated	Sep 20, 2026

December 2018: Reverse Mortgage, Transfer

Document Type	Reverse Mortgage
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 26, 2018
Property Address	415 LOCKE DR, APTOS, CA 95003-5235
Document Number	0000038315
Instrument Date	Dec 19, 2018
Instrument	38315
Transaction Type	Transfer
Record Updated	Jan 18, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	415 LOCKE DR APTOS CA 950035235, APTOS, CA 95003-5235

Mortgage

Document Number	38316
Date	Dec 26, 2018
Instrument	38316

Lender

Name	FINANCE OF AMERICA REVERSE
Address	8023 E 63RD PL # 700, TULSA, OK 74133-1240

Agreement

Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 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

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,530,000 (+382.97%) Land $1,173,000 Building $357,000
2025	$5,112.00 (+8.93%)	$316,787 (+4.04%) Land $176,117 Building $140,670
2024	$4,693.00 (+3.07%)
2023	$4,553.00 (+2.92%) Homeowner's exemption	$304,485 Land $169,278 Building $135,207	$1,241,640
2022	$4,424.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 10, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Cruzio Internet, Etheric Communications, LLC., Surfnet Communications.

Based on FCC filings for 519 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SOQUEL CREEK WATER DISTRICT serves 40,962 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.