424 Palmer Ave, Aptos, CA 95003 Property Records

Santa Cruz County property record for 424 Palmer Ave, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,238 sqft · built 1967
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,850,000 (Apr 2026)
Tax Bill	$19,156 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Dec 2020 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`044-332-15`

Property Details

APN / Parcel Number

Primary APN	`044-332-15`
Alternative APN	`044-332-15-000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	2,238 sqft Living Area
Gross Area	2,428 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1990
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Tile
Lot Area	5,663 sqft (0.13 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	190 sqft
Deck Area	370 sqft
Patio Area	370 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	424 PALMER AVE
City	APTOS
State	CA
Zip	95003-5212
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-5
Legal Subdivision	APTOS BCH CNTRY CLB PROP 01
Legal Lot Number	8
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1003
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 Individual Names on Record
Mailing Address	424 PALMER AVE, APTOS, CA 95003-5212
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2026	Grant Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOC L.P
Dec 9, 2020	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Dec 9, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Oct 10, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Apr 9, 2018	Grant Deed, Transfer · Conventional Mortgage BAY EQUITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2026 · Amount on Record
Deed Sale	Apr 8, 2026 · Amount on Record
Prior Sale	Apr 9, 2018 · Amount on Record
Deed Document Number	20267747
Prior Transfer Date	Nov 4, 1997
Prior Transfer Doc	0000058132
Record Updated	Oct 29, 2026

April 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 8, 2026
Property Address	424 PALMER AVE, APTOS, CA 95003-5212
Document Number	0000007747
Instrument Date	Apr 1, 2026
Instrument	20267747
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	ORABGE COAST TITLE, ORANGE COAST TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$205,535.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	424 PALMER AVE, APTOS, CA 95003-5212

Mortgage

Document Number	0000007748,
Date	Apr 8, 2026
Instrument	20267748

Lender

Name	PROVIDENT FUNDING ASSOC L.P

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 9, 2020
Property Address	424 PALMER AVE, APTOS, CA 95003-5212
Document Number	0000053069
Instrument Date	Dec 7, 2020
Instrument	53069
Transaction Type	Transfer
Record Updated	Dec 24, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1719 SWEETBRIAR DR SAN JOSE CA 951254956, SAN JOSE, CA 95125-4956

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 9, 2020
Property Address	424 PALMER AVE, APTOS, CA 95003-5212
Document Number	0000053055
Map Reference	MB 23 PG 1
Instrument Date	Dec 7, 2020
Instrument	2020-0053055
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN 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
Relationship	Joint Tenants
Address	1719 SWEETBRIAR DR, SAN JOSE, CA 95125-4956

Mortgage

Document Number	0000053056
Date	Dec 9, 2020
Instrument	2020-0053056

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 10, 2018
Property Address	424 PALMER AVE, APTOS, CA 95003-5212
Document Number	0000030704
Instrument Date	Sep 26, 2018
Instrument	30704
Transaction Type	Transfer
Record Updated	Oct 29, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	424 PALMER AVE

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 9, 2018
Property Address	424 PALMER AVE, APTOS, CA 95003-5212
Document Number	0000010361
Instrument Date	Mar 26, 2018
Instrument	10361
Transaction Type	Transfer
Record Updated	Apr 24, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,490.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	424 PALMER AVE APTOS CA 950035212, APTOS, CA 95003-5212

Mortgage

Document Number	10362
Date	Apr 9, 2018
Instrument	10362

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	SAUSALITO, CA 94965

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 8, 2048

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		$1,583,083 (+2%) Land $1,100,816 Building $482,267
2025	$19,156.00 (+7.59%)	$1,552,042 (+4.04%) Land $1,079,231 Building $472,811
2024	$17,805.00 (+1.87%)
2023	$17,479.00 (+2.03%)	$1,491,774 Land $1,037,323 Building $454,451	$1,455,300
2022	$17,131.00

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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