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428 Sumner Ave, Aptos, CA 95003 Property Records

Santa Cruz County property record for 428 Sumner Ave, Aptos, CA 95003

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,350 sqft · built 1986
Lot Size0.137 acres (5,968 sqft)
Owner2 Company Names on File
Last Sale$1,281,000 (Oct 2025)
Tax Bill$12,224 (2025)
Deeds & MortgagesDec 2025 Mortgage
Oct 2025 Sale
Flood ZoneZone X (minimal risk)
APN044-073-38

Property Details

APN / Parcel Number

Primary APN044-073-38
Alternative APN
  • 044-073-38-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,350 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1986
Effective Year BuiltEffective 1986
Construction TypeWood
Roof TypeSawtooth
Roof MaterialComposition Shingle
Lot Area5,968 sqft (0.137 acres)

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address428 SUMNER AVE
CityAPTOS
StateCA
Zip95003-5215
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-1-5
Legal SubdivisionAPTOS BEACH CC PROPERTIES
Legal Block25
Legal Lot Number11
JurisdictionSANTA CRUZ CA
Township / Civil DivisionSANTA CRUZ
Census Block Group2
Census Block2000
Census Tract122205

Owner

Source: Santa Cruz County assessment roll, 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 Record2 Company Names on File
Mailing Address428 SUMNER AVE, APTOS, CA 95003-5215
Owner TypeCompany
VestingLife Tenant

Deeds, Mortgages & Sale History

DateDocument
Dec 5, 2025Deed of Trust, Mortgage · Conventional Mortgage
CMG MORTGAGE INC
Oct 20, 2025Grant Deed, Transfer
OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 20, 2025 · Amount on Record
Deed SaleOct 20, 2025 · Amount on Record
Prior SaleAug 12, 2016 · Amount on Record
Deed Document Number202522401
Prior Transfer DateJun 5, 2025
Prior Transfer Doc0000012261
Record UpdatedSep 20, 2026

December 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address428 SUMNER AVE, APTOS, CA 95003-5215
Transaction TypeMortgage
Record UpdatedDec 18, 2025
Title CompanyOLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
Address428 SUMNER AVE, APTOS, CA 95003-5215

Mortgage

Document Number0000026056
DateDec 5, 2025
Instrument2025-0026056
Lender
NameCMG MORTGAGE INC
TypeMortgage Company
AddressSAN RAMON, CA 94583
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2056

October 2025: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSANTA CRUZ CA
Recording DateOct 20, 2025
Property Address428 SUMNER AVE, APTOS, CA 95003-5215
Document Number0000022401
Map ReferenceMB 23 PG 1
Instrument DateOct 20, 2025
Instrument2025-0022401
Transaction TypeTransfer
Record UpdatedNov 7, 2025
Title CompanyOLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

AmountAmount Recorded
Tax$1,409.10
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address428 SUMNER AVE, APTOS, CA 95003-5215

Tax Assessment & Valuation

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
Unified School DistrictPajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$464,821 (-50.86%) Land $325,375 Building $139,446
2025$12,224.00 (+10.16%)$945,878 (+4.04%) Land $633,738 Building $312,140
2023$11,097.00 (+2.07%) Homeowner's exemption$909,148 Land $609,129 Building $300,019$960,930
2022$10,872.00

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.

Flood

Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies4 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 RiskLow
lower than 80% of the US · lower than 88% of California
Wildfire Likelihood0.02% annual chance
ExposureDirect
burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemSOQUEL CREEK WATER DISTRICT
serves 40,962 people · EPA ID CA4410017
Water SourcePurchased surface water from several systems
Last State InspectionJun 2023
Lead2 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 712 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
Surfnet Communications
Fixed Wireless		100 / 20
AT&T
DSL · Fiber, Fixed Wireless in parts of the area		100 / 20

May also be available: Cruzio Internet, Etheric Communications, LLC., T-Mobile USA, Verizon.

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