420 Lore Way, Aptos, CA 95003 Property Records

Santa Cruz County property record for 420 Lore Way, Aptos, CA 95003 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,688 sqft · built 1998
Lot Size	13.8 acres (601,781 sqft)
Owner	Company Name on File
Last Sale	$225,000 (Jun 1997)
Tax Bill	$14,146 (2025)
Flood Zone	Zone X (minimal risk)
APN	`041-281-51`

Property Details

APN / Parcel Number

Primary APN	`041-281-51`
Alternative APN	`041-281-51-000`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Building Area	3,688 sqft Living Area
Gross Area	4,678 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	601,781 sqft
Terrain	Steep
Garage Type	Attached
Garage Area	990 sqft
Parking Spaces	4 Parking Spaces
Deck Area	85 sqft
Patio Area	85 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	420 LORE WAY
City	APTOS
State	CA
Zip	95003-9633
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PARCEL MAPS 54 PG 4 LOT 2
Legal Lot Number	2
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2000
Census Tract	122402

Owner

Source: Santa Cruz County records · APN 041-281-51

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	420 LORE WAY, APTOS, CA 95003-9633
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 20, 1997 · Amount on Record
Deed Sale	Jun 20, 1997 · Amount on Record
Deed Document Number	199727504
Last Transfer Date	May 29, 2001
Transfer Doc	0000034530
Record Updated	Sep 20, 2026

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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,239,292 (+2%) Land $559,680 Building $679,612
2025	$14,146.00 (+9.38%) Homeowner's exemption	$1,214,992 (+4.04%) Land $548,706 Building $666,286
2023	$12,933.00 (+1.69%) Homeowner's exemption	$1,167,812 Land $527,399 Building $640,413	$2,206,890
2022	$12,718.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060871224022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 9 individual NFIP policies nearby
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	9 in force 7 of 9 on primary residences
Nearby Flood Claims	3 (2016–2023)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Mar 2023, rainfall accumulation, Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides

Wildfire

Wildfire Risk	Moderate above 47% of the US · above 28% of California
Wildfire Likelihood	About 1 in 1,220 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.