Santa Cruz County property record for 415 Monterey Dr, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,299 sqft · built 1966 |
| Lot Size | 0.142 acres (6,186 sqft) |
| Owner | Trust Name on File |
| Last Sale | $1,630,000 (Aug 2021) |
| Tax Bill | $21,165 (2025) |
| Deeds & Mortgages | Sep 2023 Transfer Sep 2023 Transfer + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 044-121-02 |
| Primary APN | 044-121-02 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Building Area | 2,299 sqft Living Area |
| Gross Area | 2,785 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 2017 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 6,186 sqft (0.142 acres) |
| Terrain | Steep |
| Garage Type | Attached |
| Garage Area | 486 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 440 sqft |
| Patio Area | 440 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 415 MONTEREY DR |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-4809 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-5 |
| Legal Description | LOT F |
| Legal Subdivision | APTOS BEACH CC PROPERTIES |
| Legal Lot Number | F |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 122202 |
Source: Santa Cruz County records · APN 044-121-02
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 | Trust Name on File |
|---|---|
| Mailing Address | 415 MONTEREY DR, APTOS, CA 95003-4809 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Sep 20, 2023 | Intrafamily Transfer, Transfer |
| Sep 20, 2023 | Intrafamily Transfer, Transfer |
| Jan 06, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SYNERGY ONE LENDING |
| Aug 10, 2021 | Grant Deed, Subdivision Related Transfer CHICAGO TITLE COMPANY |
| Jun 23, 2021 | Grant Deed, Transfer CHICAGO TITLE COMPANY |
| Oct 16, 2017 | Grant Deed, Transfer · Conventional Mortgage QUICKEN LNS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 10, 2021 · Amount on Record |
| Deed Sale | Aug 10, 2021 · Amount on Record |
| Prior Sale | Jun 23, 2021 · Amount on Record |
| Deed Document Number | 202141703 |
| Last Transfer Date | Sep 01, 2023 |
| Transfer Doc | 0000017785 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Sep 20, 2023 |
| Property Address | 415 MONTEREY DR, APTOS, CA 95003-4809 |
| Document Number | 0000017784 |
| Map Reference | MB 23 PG 1 |
| Instrument Date | Sep 01, 2023 |
| Instrument | 2023-0017784 |
| Transaction Type | Transfer |
| Record Updated | Oct 11, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 415 MONTEREY DR, APTOS, CA 95003-4809 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Sep 20, 2023 |
| Property Address | 415 MONTEREY DR, APTOS, CA 95003-4809 |
| Document Number | 0000017785 |
| Map Reference | MB 23 PG 1 |
| Instrument Date | Sep 01, 2023 |
| Instrument | 2023-0017785 |
| Transaction Type | Transfer |
| Record Updated | Oct 11, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 415 MONTEREY DR, APTOS, CA 95003-4809 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 415 MONTEREY DR, APTOS, CA 95003-4809 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Title Company | CHICAGO TITLE |
| Name | Verified Name |
|---|---|
| Address | 415 MONTEREY DR, APTOS, CA 95003-4809 |
| Document Number | 0000000560 |
|---|---|
| Date | Jan 06, 2021 |
| Instrument | 2021-0000560 |
| Name | SYNERGY ONE LENDING |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Aug 10, 2021 |
| Property Address | 415 MONTEREY DR, APTOS, CA 95003-4809 |
| Document Number | 0000041703 |
| Map Reference | MB 23 PG 1 |
| Instrument Date | Jul 29, 2021 |
| Instrument | 2021-0041703 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 03, 2023 |
| Title Company | CHICAGO TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 434 SEMPLE AVE, APTOS, CA 95003-5239 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Jun 23, 2021 |
| Property Address | 415 MONTEREY DR, APTOS, CA 95003-4809 |
| Document Number | 0000034184 |
| Map Reference | MB 23 PG 1 |
| Instrument Date | Jun 16, 2021 |
| Instrument | 2021-0034184 |
| Transaction Type | Transfer |
| Record Updated | Jul 07, 2021 |
| Title Company | CHICAGO TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,777.05 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1375 N SCOTTSDALE RD STE 140, 140, SCOTTSDALE, AZ 85257-3413 |
| Investor | Possibly a Property Investor |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Oct 16, 2017 |
| Property Address | 415 MONTEREY DR, APTOS, CA 95003-4809 |
| Document Number | 0000034611 |
| Instrument Date | Oct 06, 2017 |
| Instrument | 34611 |
| Transaction Type | Transfer |
| Record Updated | Nov 30, 2017 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,265.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 10904 BELLS RIDGE DR POTOMAC MD 208542795, POTOMAC, MD 20854-2795 |
| Document Number | 34612 |
|---|---|
| Date | Oct 16, 2017 |
| Instrument | 34612 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 15, 2047 |
Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,764,365 (+2%) Land $1,146,837 Building $617,528 | ||
| 2025 | $21,165.00 (+9.5%) | $1,729,769 (+4.04%) Land $1,124,350 Building $605,419 | |
| 2023 | $19,328.00 (+2%) | $1,662,600 (+2%) Land $1,080,690 Building $581,910 | $1,519,830 |
| 2022 | $18,949.00 | $1,630,000 Land $1,059,500 Building $570,500 |
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
| 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 |
| Nearby Flood Claims | 6 (1982–2016) |
| Claims Outside the SFHA | 3 of 6 |
| Most Recent Claim | Mar 2016 · rainfall accumulation |
| Wildfire Risk | Low lower than 80% of the US · lower than 88% of California |
|---|---|
| Wildfire Likelihood | 0.02% 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.
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 |
| Surfnet Communications Fixed Wireless | 100 / 20 |
May also be available: Cruzio Internet, Etheric Communications, LLC., Verizon.
Based on FCC filings for 511 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
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 |
| 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.
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