420 Palmer Ave, Aptos, CA 95003 Property Records

Santa Cruz County property record for 420 Palmer Ave, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,068 sqft · built 1979
Lot Size	0.129 acres (5,619 sqft)
Owner	Individual Name on File
Last Sale	$845,000 (Jul 2014)
Tax Bill	$13,091 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`044-332-17`

Property Details

APN / Parcel Number

Primary APN	`044-332-17`
Alternative APN	`044-332-17-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Building Area	2,068 sqft Living Area
Gross Area	2,468 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	5,619 sqft (0.129 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	420 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 Block	9
Legal Lot Number	10
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1003
Census Tract	122203

Owner

420 Palmer Ave is owned and occupied by an individual who acquired it in August 2018.

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

Owner of Record	Individual Name on File
Mailing Address	420 PALMER AVE, APTOS, CA 95003-5212
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage REALI LNS
Apr 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITYWIDE HM LNS CORP
Sep 4, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jan 13, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2014 · Amount on File
Deed Sale	Jul 15, 2014 · Amount on File
Prior Sale	May 21, 2010 · Amount on File
Deed Document Number	201422708
Last Transfer Date	Aug 27, 2018
Transfer Doc	0000026989
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	420 PALMER AVE, APTOS, CA 95003-5212
Document Number	0000053965
Instrument Date	Nov 17, 2020
Transaction Type	Mortgage
Record Updated	Jan 7, 2021
Title Company	PACIFIC COAST TITLE COMPANY, PACIFIC COAST TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 PALMER AVE APTOS CA 950035212, APTOS, CA 95003-5212

Mortgage

Document Number	0000053965
Date	Dec 15, 2020
Instrument	53965

Lender

Name	REALI LNS
Address	SAN MATEO, CA 94404

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 14, 2050

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	420 PALMER AVE, APTOS, CA 95003-5212
Document Number	0000014266
Instrument Date	Apr 13, 2020
Transaction Type	Mortgage
Record Updated	May 18, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 PALMER AVE APTOS CA 950035212, APTOS, CA 95003-5212

Mortgage

Document Number	0000014266
Date	Apr 24, 2020
Instrument	14266

Lender

Name	CITYWIDE HM LNS CORP
Address	SANDY, UT 84070

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 23, 2050

September 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 4, 2018
Property Address	420 PALMER AVE, APTOS, CA 95003-5212
Document Number	0000026989
Map Reference	MB 23 PG 1
Instrument Date	Aug 27, 2018
Instrument	2018-0026989
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	420 PALMER AVE, APTOS, CA 95003-5212

Mortgage

Document Number	0000026990
Date	Sep 4, 2018
Instrument	2018-0026990

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 13, 2017
Property Address	420 PALMER AVE, APTOS, CA 95003-5212
Document Number	0000001701
Instrument Date	Jan 11, 2017
Instrument	1701
Transaction Type	Transfer
Record Updated	Jan 27, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	420 PALMER AVE APTOS CA 950035212, APTOS, CA 95003-5212

Tax Assessment & Valuation

The 2025 property tax bill for 420 Palmer Ave was $13,091.

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		$1,035,876 (+2%) Land $725,113 Building $310,763
2025	$13,091.00	$1,015,564 Land $710,895 Building $304,669
2023	$11,898.00 (+2.16%)	$976,128 Land $683,290 Building $292,838	$1,270,800
2022	$11,646.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 420 Palmer Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 420 Palmer Ave is low, with a 0.02% annual chance of 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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