Santa Cruz County property record for 423 Ventana Way, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 2,987 sqft · built 2004 |
| Lot Size | 0.377 acres (16,422 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $4,300,000 (Jul 2025) |
| Tax Bill | $24,102 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Sep 2023 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 053-162-41 |
| Primary APN | 053-162-41 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Building Area | 2,987 sqft Living Area |
| Gross Area | 3,499 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Construction Type | Wood |
| Roof Material | Tile |
| Lot Area | 16,422 sqft (0.377 acres) |
| View / Lot | Ocean |
| Garage Type | Attached |
| Garage Area | 512 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 33 sqft |
| Patio Area | 33 sqft |
| Heating System | Radiant |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 423 VENTANA WAY |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-5539 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-6 |
| Legal Subdivision | SEASCAPE UPLANDS TR #1304 |
| Legal Lot Number | 69 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 122202 |
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 Individual Names on Record |
|---|---|
| Mailing Address | 423 VENTANA WAY, APTOS, CA 95003-5539 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 11, 2026 | Deed of Trust, Mortgage · Conventional Mortgage GOLDMAN SACHS BANK USA |
| Sep 27, 2023 | Intrafamily Transfer, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Sep 27, 2023 | Intrafamily Transfer, Transfer · Line of Credit BAY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 8, 2025 · Amount on Record |
| Deed Sale | Jul 8, 2025 · Amount on Record |
| Prior Sale | Mar 1, 2002 · Amount on Record |
| Deed Document Number | 202513995 |
| Prior Transfer Date | Sep 19, 2023 |
| Prior Transfer Doc | 0000018363 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 423 VENTANA WAY, APTOS, CA 95003-5539 |
| Transaction Type | Mortgage |
| Record Updated | Mar 30, 2026 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 423 VENTANA WAY, APTOS, CA 95003-5539 |
| Document Number | 0000005328 |
|---|---|
| Date | Mar 11, 2026 |
| Instrument | 2026-0005328 |
| Name | GOLDMAN SACHS BANK USA |
|---|---|
| Type | Bank |
| Address | NEW YORK, NY 10282 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3% |
| Type Change Date | Apr 1, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.7% |
| Index | SOFR Average 30-Day |
| Max Rate | 10.7% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Sep 27, 2023 |
| Property Address | 423 VENTANA WAY, APTOS, CA 95003-5539 |
| Document Number | 0000018394 |
| Map Reference | MB 93 PG 22 |
| Instrument Date | Sep 22, 2023 |
| Instrument | 2023-0018394 |
| Transaction Type | Transfer |
| Record Updated | Oct 11, 2023 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 423 VENTANA WAY, APTOS, CA 95003-5539 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Sep 27, 2023 |
| Property Address | 423 VENTANA WAY, APTOS, CA 95003-5539 |
| Document Number | 0000018363 |
| Map Reference | MB 93 PG 22 |
| Instrument Date | Sep 19, 2023 |
| Instrument | 2023-0018363 |
| Transaction Type | Transfer |
| Record Updated | Oct 11, 2023 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 423 VENTANA WAY, APTOS, CA 95003-5539 |
| Document Number | 0000018364 |
|---|---|
| Date | Sep 27, 2023 |
| Instrument | 2023-0018364 |
| Name | BAY FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 302 Months |
| Due | Nov 15, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,300,000 (+115.37%) Land $3,440,000 Building $860,000 | ||
| 2025 | $24,102.00 (+7.5%) | $1,996,553 (+4.04%) Land $1,195,048 Building $801,505 | |
| 2024 | $22,421.00 (+1.79%) | ||
| 2023 | $22,027.00 (+1.97%) Homeowner's exemption | $1,919,025 Land $1,148,643 Building $770,382 | $2,314,260 |
| 2022 | $21,601.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 | 4 in force |
| Nearby Flood Claims | 6 (1982–2016) |
| Claims Outside the SFHA | 3 of 6 |
| Most Recent Claim | Mar 2016 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 77% of California |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 118 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T, Cruzio, Etheric Networks, Surfnet Communications, T-Mobile.
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