416 Palmer Ave, Aptos, CA 95003 Property Records

Santa Cruz County property record for 416 Palmer Ave, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,385 sqft · built 1966
Lot Size	0.178 acres (7,754 sqft)
Owner	Individual Name on File
Last Sale	$1,400,000 (Feb 2019)
Tax Bill	$19,186 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Mar 2021 Transfer + 5 more
Flood Zone	Zone X (minimal risk)
APN	`044-332-19`

Property Details

APN / Parcel Number

Primary APN	`044-332-19`
Alternative APN	`044-332-19-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Building Area	2,385 sqft Living Area
Gross Area	2,863 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 2014
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	7,754 sqft (0.178 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	478 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	416 PALMER AVE
City	APTOS
State	CA
Zip	95003-5212
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-5
Legal Subdivision	APTOS BEACH CC PROPERTIES
Legal Lot Number	12
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1003
Census Tract	122203

Owner

Source: Santa Cruz County records, as of August 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	416 PALMER AVE, APTOS, CA 95003-5212
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage COMMERCE HOME MORTGAGE LLC
Mar 25, 2021	Intrafamily Transfer, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY
Mar 26, 2021	Intrafamily Transfer, Transfer OLD REPUBLIC TITLE COMPANY
Dec 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Feb 26, 2019	Quit Claim Deed, Transfer OLD REPUBLIC TITLE COMPANY
Feb 26, 2019	Quit Claim Deed, Transfer OLD REPUBLIC TITLE
Feb 26, 2019	Grant Deed, Transfer · ARM US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2019 · Amount on File
Deed Sale	Feb 26, 2019 · Amount on File
Prior Sale	Mar 18, 2004 · Amount on File
Deed Document Number	20194878
Last Transfer Date	Mar 19, 2021
Transfer Doc	0000017564
Record Updated	Sep 20, 2026

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 25, 2021
Property Address	416 PALMER AVE, APTOS, CA 95003-5212
Document Number	0000017332
Map Reference	MB 23 PG 1
Instrument Date	Mar 19, 2021
Instrument	2021-0017332
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC 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 PALMER AVE, APTOS, CA 95003-5212

Mortgage

Document Number	0000017333
Date	Mar 25, 2021
Instrument	2021-0017333

Lender

Name	COMMERCE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 25, 2021
Property Address	416 PALMER AVE, APTOS, CA 95003-5212
Document Number	0000017331
Map Reference	MB 23 PG 1
Instrument Date	Mar 19, 2021
Instrument	2021-0017331
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC 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 PALMER AVE, APTOS, CA 95003-5212

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 26, 2021
Property Address	416 PALMER AVE, APTOS, CA 95003-5212
Document Number	0000017564
Map Reference	MB 23 PG 1
Instrument Date	Mar 19, 2021
Instrument	2021-0017564
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	OLD REPUBLIC 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 PALMER AVE, APTOS, CA 95003-5212

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	416 PALMER AVE, APTOS, CA 95003-5212
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041292
Date	Dec 30, 2019
Instrument	2019-0041292

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Jan 1, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.25%
Index	1-Year CMT
Max Rate	8.25%

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 26, 2019
Property Address	416 PALMER AVE, APTOS, CA 95003-5212
Document Number	0000004879
Map Reference	MB 23 PG 1
Instrument Date	Feb 19, 2019
Instrument	2019-0004879
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 PALMER AVE, APTOS, CA 95003-5212

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 26, 2019
Property Address	416 PALMER AVE, APTOS, CA 95003-5212
Document Number	0000004877
Instrument Date	Feb 15, 2019
Instrument	4877
Transaction Type	Transfer
Record Updated	Mar 14, 2019
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	19862 N 264TH AVE BUCKEYE AZ 853962242, BUCKEYE, AZ 85396-2242

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 26, 2019
Property Address	416 PALMER AVE, APTOS, CA 95003-5212
Document Number	0000004878
Map Reference	MB 23 PG 1
Instrument Date	Feb 15, 2019
Instrument	2019-0004878
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 PALMER AVE, APTOS, CA 95003-5212

Mortgage

Document Number	0000004880
Date	Feb 26, 2019
Instrument	2019-0004880

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Mar 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.5%
Index	1-Year CMT
Max Rate	8.5%

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		$1,592,961 (+2%) Land $1,115,073 Building $477,888
2025	$19,186.00 (+9.61%) Homeowner's exemption	$1,561,727 (+4.04%) Land $1,093,209 Building $468,518
2023	$17,504.00 (+2.03%) Homeowner's exemption	$1,501,083 Land $1,050,758 Building $450,325	$1,488,690
2022	$17,155.00

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	None beyond ember reach

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 511 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
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Cruzio, Etheric Networks, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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