416 Locke Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 416 Locke Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,909 sqft · built 1979
Lot Size	0.201 acres (8,756 sqft)
Owner	Individual Name on File
Tax Bill	$8,165 (2025)
Deeds & Mortgages	Sep 2022 Reverse Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`044-213-51`

Property Details

APN / Parcel Number

Primary APN	`044-213-51`
Alternative APN	`044-213-51-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,909 sqft Living Area
Gross Area	2,470 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	8,756 sqft (0.201 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	561 sqft
Parking Spaces	2 Parking Spaces
Deck Area	728 sqft
Patio Area	728 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	416 LOCKE DR
City	APTOS
State	CA
Zip	95003-5245
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-5
Legal Subdivision	APTOS BEACH CC PROPERTIES
Legal Block	22
Legal Lot Number	21
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1007
Census Tract	122203

Owner

Source: Santa Cruz County assessment roll, 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	Individual Name on File
Mailing Address	416 LOCKE DR, APTOS, CA 95003-5245
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2022	Intrafamily Transfer, Transfer · Reverse Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jun 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage STIFEL BK&TR

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Sep 19, 2022
Transfer Doc	0000027244
Record Updated	Sep 20, 2026

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 30, 2022
Property Address	416 LOCKE DR, APTOS, CA 95003-5245
Document Number	0000027244
Instrument Date	Sep 19, 2022
Instrument	2022-0027244
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIRST AMERICAN 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
Address	416 LOCKE DR, APTOS, CA 95003-5245

Mortgage

Document Number	0000027245
Date	Sep 30, 2022
Instrument	2022-0027245

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	738 Months
Due	Mar 27, 2084

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	416 LOCKE DR, APTOS, CA 95003-5245
Document Number	0000023948
Instrument Date	Jun 24, 2020
Transaction Type	Mortgage
Record Updated	Jul 22, 2020
Title Company	BOSTON NATIONAL TITLE AGENCY, BOSTON NAT'L TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 LOCKE DR APTOS CA 950035245, APTOS, CA 95003-5245

Mortgage

Document Number	0000023948
Date	Jul 6, 2020
Instrument	23948

Lender

Name	STIFEL BK&TR
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 5, 2050

Tax Assessment & Valuation

Source: Santa Cruz County assessment roll, as of August 19, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$598,605 (+2%) Land $353,681 Building $244,924
2025	$8,165.00 (+10.89%) Homeowner's exemption	$586,868 (+4.04%) Land $346,746 Building $240,122
2023	$7,363.00 (+2.46%) Homeowner's exemption	$564,079 Land $333,281 Building $230,798	$1,608,840
2022	$7,186.00

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	3 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	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

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 574 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

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

Cell Coverage

5G (outdoors only) and 4G LTE

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