423 Saint Andrews Dr, Aptos, CA 95003 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,117 sqft · built 1963
Lot Size	0.296 acres (12,894 sqft)
Owner	Individual Name on File
Last Sale	$590,000 (May 1998)
Tax Bill	$14,249 (2025)
Deeds & Mortgages	Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`053-043-01`

Property Details

APN / Parcel Number

Primary APN	`053-043-01`
Alternative APN	`053-043-01-000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	11 Rooms
Building Area	4,117 sqft Living Area
Gross Area	5,010 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	12,894 sqft (0.296 acres)
Garage Type	Attached
Garage Area	893 sqft
Parking Spaces	4 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	423 SAINT ANDREWS DR
City	APTOS
State	CA
Zip	95003-5420
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10
Legal Description	TRACT 321 LOT 164
Legal Subdivision	COUNTRY CLUB PARK UN #8 TR #321
Legal Tract	321
Legal Lot Number	164
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1007
Census Tract	122203

Owner

423 Saint Andrews Dr is owned and occupied by an individual who bought it in May 1998.

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

Owner of Record	Individual Name on File
Mailing Address	423 SAINT ANDREWS DR, APTOS, CA 95003-5420
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 1998 · Amount on File
Deed Sale	May 29, 1998 · Amount on File
Prior Sale	Feb 7, 1997 · Amount on File
Deed Document Number	199830166
Prior Transfer Date	Jun 6, 1995
Prior Transfer Doc	0000031331
Record Updated	Oct 29, 2026

June 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 16, 2020
Property Address	423 SAINT ANDREWS DR, APTOS, CA 95003-5420
Document Number	0000021045
Map Reference	VOL 1419 PG 95
Instrument Date	Jun 11, 2020
Instrument	2020-0021045
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	423 SAINT ANDREWS DR, APTOS, CA 95003-5420

Mortgage

Document Number	0000021046
Date	Jun 16, 2020
Instrument	2020-0021046

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 423 Saint Andrews Dr was $14,249 with a homeowner's exemption.

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		$1,147,086 (+2%) Land $570,053 Building $577,033
2025	$14,249.00 Homeowner's exemption	$1,124,593 Land $558,875 Building $565,718
2023	$12,961.00 (+2.14%) Homeowner's exemption	$1,080,925 Land $537,174 Building $543,751	$1,904,220
2022	$12,689.00

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

Flood

FEMA maps place 423 Saint Andrews Dr 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 423 Saint Andrews Dr is low, with a 0.01% 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	0.01% 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 444 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Cruzio, Etheric Networks, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Saint Andrews Dr

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