421 Belle Monti Ct, Aptos, CA 95003 Property Records

Santa Cruz County property record for 421 Belle Monti Ct, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,869 sqft · built 1968
Lot Size	0.223 acres (9,714 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,990 (2025)
Deeds & Mortgages	Feb 2023 Transfer Feb 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`044-094-30`

Property Details

APN / Parcel Number

Primary APN	`044-094-30`
Alternative APN	`044-094-30-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,869 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	9,714 sqft (0.223 acres)
Garage Type	Carport
Garage Area	504 sqft
Carport	Carport
Carport Area	504 sqft
Parking Spaces	2 Parking Spaces
Deck Area	392 sqft
Patio Area	392 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	421 BELLE MONTI CT
City	APTOS
State	CA
Zip	95003-5207
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-5
Legal Subdivision	APTOS BEACH CC PROPERTIES 01
Legal Lot Number	E
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1006
Census Tract	122203

Owner

421 Belle Monti Ct is owned and occupied by two individuals who acquired it in February 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	421 BELLE MONTI CT, APTOS, CA 95003-5207
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
Feb 27, 2023	Intrafamily Transfer, Transfer OLD REPUBLIC TITLE COMPANY
Feb 27, 2023	Intrafamily Transfer, Transfer · Line of Credit BAY FCU
Sep 22, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage PREMIER MORTGAGE RESOURCES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 21, 2023
Transfer Doc	0000003293
Record Updated	Sep 20, 2026

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 27, 2023
Property Address	421 BELLE MONTI CT, APTOS, CA 95003-5207
Document Number	0000003315
Map Reference	VOL 23 PG 1
Instrument Date	Feb 22, 2023
Instrument	2023-0003315
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	421 BELLE MONTI CT, APTOS, CA 95003-5207

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 27, 2023
Property Address	421 BELLE MONTI CT, APTOS, CA 95003-5207
Document Number	0000003293
Map Reference	VOL 23 PG 1
Instrument Date	Feb 21, 2023
Instrument	2023-0003293
Transaction Type	Transfer
Record Updated	Mar 15, 2023
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
Relationship	Community Property with Right of Survivorship
Address	421 BELLE MONTI CT, APTOS, CA 95003-5207

Mortgage

Document Number	0000003294
Date	Feb 27, 2023
Instrument	2023-0003294

Lender

Name	BAY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	302 Months
Due	Apr 15, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 22, 2021
Property Address	421 BELLE MONTI CT, APTOS, CA 95003-5207
Document Number	0000048448
Map Reference	VOL 23 PG 1
Instrument Date	Sep 15, 2021
Instrument	2021-0048448
Transaction Type	Transfer
Record Updated	May 30, 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	421 BELLE MONTI CT, APTOS, CA 95003-5207

Mortgage

Document Number	0000048449
Date	Sep 22, 2021
Instrument	2021-0048449

Lender

Name	PREMIER MORTGAGE RESOURCES LLC
Type	Mortgage Company
Address	PORTLAND, OR 97209

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Oct 1, 2031

Tax Assessment & Valuation

The 2025 property tax bill for 421 Belle Monti Ct was $6,990.

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		$485,438 (+2%) Land $260,059 Building $225,379
2025	$6,990.00	$475,919 Land $254,960 Building $220,959
2023	$6,285.00 (+2.58%)	$457,438 Land $245,059 Building $212,379	$1,472,220
2022	$6,127.00

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

Flood

FEMA maps place 421 Belle Monti Ct 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 421 Belle Monti Ct 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	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Surfnet Communications Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Cruzio, Etheric Networks, T-Mobile, Verizon.

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