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429 Sumner Ave, #A, Aptos, CA 95003 Property Records

Santa Cruz County property record for 429 Sumner Ave, #A, Aptos, CA 95003

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,983 sqft · built 1965
Lot Size0.146 acres (6,360 sqft)
Owner2 Individual Names on Record
Last Sale$635,000 (Mar 2014)
Tax Bill$11,852 (2025)
Deeds & MortgagesAug 2021 Mortgage
Mar 2023 Second Mortgage
Flood ZoneZone X (minimal risk)
APN044-072-04

Property Details

APN / Parcel Number

Primary APN044-072-04
Alternative APN
  • 044-072-04-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms8 Rooms
Building Area1,983 sqft Living Area
Gross Area2,487 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1965
Effective Year BuiltEffective 1965
Construction TypeWood
Roof TypeSawtooth
Roof MaterialComposition Shingle
Lot Area6,360 sqft (0.146 acres)
TerrainSteep
Garage TypeAttached
Garage Area504 sqft
Parking Spaces2 Parking Spaces
Deck Area380 sqft
Patio Area380 sqft

Utilities, Heating & Cooling

SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address429 SUMNER AVE, A
CityAPTOS
StateCA
Zip95003-5214
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-1-5
Legal DescriptionTR 262
Legal SubdivisionTRACT 262
Legal Tract262
Legal Lot Number3
JurisdictionSANTA CRUZ CA
Township / Civil DivisionSANTA CRUZ
Census Block Group1
Census Block1006
Census Tract122203

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 Record2 Individual Names on Record
Mailing Address429 SUMNER AVE, APTOS, CA 95003-5214
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants in Common

Deeds, Mortgages & Sale History

DateDocument
Aug 17, 2021Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Mar 24, 2023Deed of Trust, Mortgage · Stand-Alone Second Mortgage
BAY FCU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 7, 2014 · Amount on Record
Deed SaleMar 7, 2014 · Amount on Record
Deed Document Number20147505
Prior Transfer DateDec 1, 1993
Prior Transfer Doc0000091869
Record UpdatedOct 29, 2026

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address429 SUMNER AVE, APTOS, CA 95003-5214
Transaction TypeMortgage
Record UpdatedSep 5, 2023
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

Transferred To (Grantee/Buyer)

NameVerified Name
Address429 SUMNER AVE, APTOS, CA 95003-5214

Mortgage

Document Number0000042759
DateAug 17, 2021
Instrument2021-0042759
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueSep 1, 2036

March 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address429 SUMNER AVE, APTOS, CA 95003-5214
Transaction TypeMortgage
Record UpdatedSep 5, 2023
Title CompanyOLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 389, WATSONVILLE, CA 95077-0389

Mortgage

Document Number0000005045
DateMar 24, 2023
Instrument2023-0005045
Lender
NameBAY FCU
TypeCredit Union
AddressCAPITOLA, CA 95010
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term181 Months
DueApr 1, 2038

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$841,668 (+2%) Land $575,176 Building $266,492
2025$11,852.00 (+10.72%) Homeowner's exemption$825,164 (+4.04%) Land $563,898 Building $261,266
2023$10,704.00 (+2.57%) Homeowner's exemption$793,122 Land $542,000 Building $251,122$1,114,830
2022$10,436.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies3 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

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 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, Etheric Networks, T-Mobile, Verizon.

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