Santa Cruz County property record for 417 Sumner Ave, Aptos, CA 95003 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,476 sqft · built 1963 |
| Lot Size | 0.144 acres (6,273 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $648,500 (Nov 2003) |
| Tax Bill | $11,954 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Jul 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 044-072-10 |
| Primary APN | 044-072-10 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,476 sqft Living Area |
| Gross Area | 2,916 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 6,273 sqft (0.144 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 417 SUMNER AVE |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-5214 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TR 262 |
| Legal Subdivision | 262 APTOS BEACH |
| Legal Tract | 262 |
| Legal Lot Number | 9 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 122203 |
Source: Santa Cruz County records · APN 044-072-10
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 | 2 Company Names on File |
|---|---|
| Mailing Address | 417 SUMNER AVE, APTOS, CA 95003-5214 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Date | Document |
|---|---|
| Sep 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BAY FCU |
| Jul 10, 2019 | Deed of Trust, Mortgage · Conventional Mortgage BAY FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 06, 2003 · Amount on Record |
| Deed Sale | Nov 06, 2003 · Amount on Record |
| Deed Document Number | 2003112135 |
| Prior Transfer Date | Jun 27, 2001 |
| Prior Transfer Doc | 0000049043 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 417 SUMNER AVE, APTOS, CA 95003-5214 |
| Transaction Type | Mortgage |
| Record Updated | Oct 05, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 417 SUMNER AVE, APTOS, CA 95003-5214 |
| Document Number | 0000048083 |
|---|---|
| Date | Sep 21, 2021 |
| Instrument | 2021-0048083 |
| Name | BAY FCU |
|---|---|
| Type | Credit Union |
| Address | CAPITOLA, CA 95010 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 417 SUMNER AVE, APTOS, CA 95003-5214 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000019077 |
|---|---|
| Date | Jul 10, 2019 |
| Instrument | 2019-0019077 |
| Name | BAY FCU |
|---|---|
| Type | Credit Union |
| Address | CAPITOLA, CA 95010 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2049 |
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 | $940,478 (+2%) Land $471,328 Building $469,150 | ||
| 2025 | $11,954.00 (+10.19%) Homeowner's exemption | $922,037 (+4.04%) Land $462,086 Building $459,951 | |
| 2023 | $10,849.00 (+2.22%) Homeowner's exemption | $886,232 Land $444,142 Building $442,090 | $1,354,140 |
| 2022 | $10,613.00 |
Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060871222031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 3 in force |
| Wildfire Risk | Low above 20% of the US · above 11% of California |
|---|---|
| Wildfire Likelihood | About 1 in 5,882 per year |
| Exposure | Direct burnable vegetation at the parcel |
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, availability as of December 31, 2025 · Published October 2026 · based on 712 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 1,200 / 35 |
| Surfnet Communications | Fixed Wireless | 100 / 20 |
| AT&T | DSL | 100 / 20 |
May also be available at this address: Etheric Communications, LLC., Cruzio Internet, AT&T, Verizon, T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.
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