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423 Locke Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 423 Locke Dr, Aptos, CA 95003

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,515 sqft · built 1986
Lot Size0.111 acres (4,835 sqft)
Owner2 Company Names on Record
Last Sale$563,500 (Jan 2011)
Tax Bill$9,689 (2025)
Deeds & MortgagesAug 2025 Transfer
Sep 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN044-215-06

Property Details

APN / Parcel Number

Primary APN044-215-06
Alternative APN
  • 044-215-06-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms5 Rooms
Building Area1,515 sqft Living Area
Gross Area1,915 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1986
Effective Year BuiltEffective 1986
Construction TypeWood
Roof TypeSawtooth
Roof MaterialComposition Shingle
Lot Area4,835 sqft (0.111 acres)
Garage TypeAttached
Garage Area400 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address423 LOCKE DR
CityAPTOS
StateCA
Zip95003-5235
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-1-5
Legal SubdivisionAPTOS BCH CNTRY CLB PROP 01
Legal Block21
Legal Lot Number6
JurisdictionSANTA CRUZ CA
Township / Civil DivisionSANTA CRUZ
Census Block Group1
Census Block1010
Census Tract122203

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 Record2 Company Names on Record
Mailing Address423 LOCKE DR, APTOS, CA 95003-5235
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Revocable Trust

Deeds, Mortgages & Sale History

DateDocument
Aug 11, 2025Intrafamily Transfer, Transfer
Sep 10, 2020Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 27, 2011 · Amount on Record
Deed SaleJan 27, 2011 · Amount on Record
Deed Document Number20114308
Prior Transfer DateJan 19, 2001
Prior Transfer Doc0000014140
Record UpdatedSep 20, 2026

August 2025: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSANTA CRUZ CA
Recording DateAug 11, 2025
Property Address423 LOCKE DR, APTOS, CA 95003-5235
Document Number0000016661
Map ReferenceMB 23 PG 1
Instrument DateJul 9, 2025
Instrument2025-0016661
Transaction TypeTransfer
Record UpdatedSep 26, 2025

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address423 LOCKE DR, APTOS, CA 95003-5235

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address423 LOCKE DR, APTOS, CA 95003-5235
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyAMROCK TITLE CA

Transferred To (Grantee/Buyer)

NameVerified Name
Address423 LOCKE DR, APTOS, CA 95003-5235

Mortgage

Document Number0000035352
DateSep 10, 2020
Instrument2020-0035352
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2050

Tax Assessment & Valuation

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
Unified School DistrictPajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$736,122 (+2%) Land $441,674 Building $294,448
2025$9,689.00 (+8.06%) Homeowner's exemption$721,688 (+4.04%) Land $433,013 Building $288,675
2024$8,966.00 (+2.29%)
2023$8,765.00 (+1.44%) Homeowner's exemption$693,664 Land $416,199 Building $277,465$1,116,090
2022$8,641.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies3 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 RiskLow
lower than 80% of the US · lower than 88% of California
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemSOQUEL CREEK WATER DISTRICT
serves 40,962 people · EPA ID CA4410017
Water SourcePurchased surface water from several systems
Last State InspectionJun 2023
Lead2 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 519 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20

May also be available: Cruzio, Etheric Networks, Surfnet Communications.

Cell Coverage

5G and 4G LTE (outdoors only)

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