424 Bonita Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 424 Bonita Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,308 sqft · built 1965
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$380,000 (Jan 2010)
Tax Bill	$6,552 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`044-041-04`

Property Details

APN / Parcel Number

Primary APN	`044-041-04`
Alternative APN	`044-041-04-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	1,308 sqft Living Area
Gross Area	1,704 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Construction Type	Wood
Roof Material	Other
Lot Area	7,405 sqft (0.17 acres)
Terrain	Steep
View / Lot	Mountain
Garage Type	Attached
Garage Area	396 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	424 BONITA DR
City	APTOS
State	CA
Zip	95003-4887
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10-SP
Legal Subdivision	DEER PARK VILLA SITE 01
Legal Lot Number	21
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1003
Census Tract	122202

Owner

424 Bonita Dr is owned and occupied by two individuals who bought it in January 2010.

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

Owner of Record	2 Individual Names on File
Mailing Address	424 BONITA DR, APTOS, CA 95003-4887
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
Nov 7, 2025	Deed of Trust, Mortgage · Line of Credit HOMEBRIDGE FINANCIAL SERVICES INC
Feb 1, 2021	Deed of Trust, Mortgage · VA Mortgage RIVER CITY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 14, 2010 · Amount on File
Deed Sale	Jan 14, 2010 · Amount on File
Prior Sale	Oct 20, 2009 · Amount on File
Deed Document Number	20101146
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	424 BONITA DR, APTOS, CA 95003-4887
Transaction Type	Mortgage
Record Updated	Nov 21, 2025
Title Company	SERVICE TITLE, SERVICELINK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	424 BONITA DR, APTOS, CA 95003-4887
Investor	Possibly a Property Investor

Mortgage

Document Number	0000023935
Date	Nov 7, 2025
Instrument	2025-0023935

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 31, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	424 BONITA DR, APTOS, CA 95003-4887
Transaction Type	Mortgage
Record Updated	Feb 23, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	424 BONITA DR, APTOS, CA 95003-4887

Mortgage

Document Number	0000005619
Date	Feb 1, 2021
Instrument	2021-0005619

Lender

Name	RIVER CITY MORTGAGE LLC
Type	Non-Lending Institution
Address	CINCINNATI, OH 45242

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 424 Bonita Dr was $6,552 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		$509,577 (+2%) Land $275,178 Building $234,399
2025	$6,552.00 Homeowner's exemption	$499,585 Land $269,782 Building $229,803
2023	$5,770.00 (+1.84%) Homeowner's exemption	$480,186 Land $259,306 Building $220,880	$681,930
2022	$5,666.00

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

Flood

FEMA maps place 424 Bonita Dr in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1982.

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.

Wildfire

Wildfire risk around 424 Bonita Dr 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	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.

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