Santa Cruz County property record for 426 Monterey Dr, Aptos, CA 95003 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,334 sqft · built 1981 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $1,057,500 (Oct 2023) |
| Tax Bill | $13,725 (2025) |
| Deeds & Mortgages | Dec 2025 Transfer Oct 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 044-122-12 |
| Primary APN | 044-122-12 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,334 sqft Living Area |
| Gross Area | 1,785 sqft Gross Area |
| Stories | 1 Story |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Construction Type | Wood |
| Roof Material | Other |
| Lot Area | 5,663 sqft (0.13 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached |
| Garage Area | 451 sqft Garage |
| Deck Area | 176 sqft Deck |
| Patio Area | 176 sqft Patio |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 426 MONTEREY DR |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-4810 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | APTOS BEACH COUNTRY CLUB PROP 1 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 122202 |
Source: Santa Cruz County records · APN 044-122-12
Assessment roll updated August 19, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 426 MONTEREY DR, APTOS, CA 95003-4810 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Dec 09, 2025 | Intrafamily Transfer, Transfer |
| Oct 24, 2023 | Grant Deed, Transfer · Conventional Mortgage US BANK NA |
| Jan 23, 2023 | Affidavit of Death of Joint Tenant, Transfer · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 24, 2023 · Amount on Record |
| Deed Sale | Oct 24, 2023 · Amount on Record |
| Deed Document Number | 202320503 |
| Last Transfer Date | Dec 01, 2025 |
| Transfer Doc | 0000026426 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Dec 09, 2025 |
| Property Address | 426 MONTEREY DR, APTOS, CA 95003-4810 |
| Document Number | 0000026426 |
| Map Reference | VOL 23 PG 1 |
| Instrument Date | Dec 01, 2025 |
| Instrument | 2025-0026426 |
| Transaction Type | Transfer |
| Record Updated | Dec 25, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 426 MONTEREY DR, APTOS, CA 95003-4810 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Oct 24, 2023 |
| Property Address | 426 MONTEREY DR, APTOS, CA 95003-4810 |
| Document Number | 0000020503 |
| Map Reference | VOL 23 PG 1 |
| Instrument Date | Oct 19, 2023 |
| Instrument | 2023-0020503 |
| Transaction Type | Transfer |
| Record Updated | Nov 08, 2023 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,163.25 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 426 MONTEREY DR, APTOS, CA 95003-4810 |
| Document Number | 0000020504 |
|---|---|
| Date | Oct 24, 2023 |
| Instrument | 2023-0020504 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.87% |
| Type Change Date | Nov 01, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 11.8% |
| Index | 1-Year T-Bill |
| Max Rate | 11.8% |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Jan 23, 2023 |
| Property Address | 426 MONTEREY DR, APTOS, CA 95003-4810 |
| Document Number | 0000001086 |
| Map Reference | VOL 23 PG 1 |
| Instrument Date | Dec 02, 2022 |
| Instrument | 2023-0001086 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2023 |
| Title Company | FNC TITLE SERVICES |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 426 MONTEREY DR, APTOS, CA 95003-4810 |
| Document Number | 0000001087 |
|---|---|
| Date | Jan 23, 2023 |
| Instrument | 2023-0001087 |
| Name | FINANCE OF AMERICA REVERSE LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | TULSA, OK 74133 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 661 Months |
| Due | Feb 05, 2078 |
| Rate Type | Fixed Rate |
|---|
Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,100,223 (+2%) Land $715,145 Building $385,078 | ||
| 2025 | $13,725.00 (+7.66%) | $1,078,651 (+148.96%) Land $701,123 Building $377,528 | |
| 2024 | $12,749.00 (+114.38%) | ||
| 2023 | $5,947.00 (+2.64%) Homeowner's exemption | $433,255 Land $282,941 Building $150,314 | $967,320 |
| 2022 | $5,794.00 |
Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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