423 Palmer Ave, Aptos, CA 95003 Property Records

Santa Cruz County property record for 423 Palmer Ave, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,337 sqft · built 1964
Lot Size	0.117 acres (5,097 sqft)
Owner	2 Company Names on Record
Last Sale	$300,000 (Jul 1996)
Tax Bill	$7,471 (2025)
Deeds & Mortgages	Aug 2025 Transfer Jun 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`044-331-10`

Property Details

APN / Parcel Number

Primary APN	`044-331-10`
Alternative APN	`044-331-10-000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	2,337 sqft Living Area
Gross Area	2,799 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Construction Type	Wood
Roof Material	Other
Lot Area	5,097 sqft (0.117 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Deck Area	942 sqft
Patio Area	942 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	423 PALMER AVE
City	APTOS
State	CA
Zip	95003-5209
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-5
Legal Subdivision	APTOS BEACH CC PROPERTIES
Legal Lot Number	5
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1006
Census Tract	122203

Owner

Source: Santa Cruz County records, as of August 19, 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 Record
Mailing Address	423 PALMER AVE, APTOS, CA 95003-5209
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2025	Intrafamily Transfer, Transfer
Jun 4, 2019	Correction Deed · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 1996 · Amount on Record
Deed Sale	Jul 23, 1996 · Amount on Record
Deed Document Number	199640810
Deed Book / Page	5880 / 58
Last Transfer Date	May 21, 2019
Transfer Doc	0000014981
Record Updated	Sep 20, 2026

August 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 11, 2025
Property Address	423 PALMER AVE, APTOS, CA 95003-5209
Document Number	0000016714
Map Reference	VOL 23 PG 1
Instrument Date	Jul 30, 2025
Instrument	2025-0016714
Transaction Type	Transfer
Record Updated	Sep 26, 2025

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	Family Trust
Address	423 PALMER AVE, APTOS, CA 95003-5209

June 2019: Correction Deed

Document Type	Correction Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 4, 2019
Property Address	423 PALMER AVE, APTOS, CA 95003-5209
Document Number	0000014981
Map Reference	VOL 23 PG 1
Instrument Date	May 21, 2019
Instrument	2019-0014981
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	423 PALMER AVE, APTOS, CA 95003-5209

Mortgage

Document Number	0000014982
Date	Jun 4, 2019
Instrument	2019-0014982

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

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		$536,041 (+2%) Land $282,418 Building $253,623
2025	$7,471.00 (+11.09%) Homeowner's exemption	$525,530 (+4.04%) Land $276,880 Building $248,650
2023	$6,725.00 (+2.53%) Homeowner's exemption	$505,124 Land $266,129 Building $238,995	$1,608,570
2022	$6,559.00

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 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

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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