430 Hillcrest Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 430 Hillcrest Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 960 sqft · built 1950
Lot Size	0.086 acres (3,746 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,300,000 (Jul 2025)
Tax Bill	$11,407 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`038-181-52`

Property Details

APN / Parcel Number

Primary APN	`038-181-52`
Alternative APN	`038-181-52-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	960 sqft Living Area
Gross Area	1,248 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2020
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	3,746 sqft (0.086 acres)
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	426 HILLCREST DR
City	APTOS
State	CA
Zip	95003-4313
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-4
Legal Subdivision	SEACLIFF PARK SUB 2
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1039
Census Tract	122100

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	2509 BELLEVUE CT, FAIRFIELD, CA 94534-7111
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2019	Deed of Trust, Mortgage · FHA Mortgage MASON MCDUFFIE MORTGAGE CORP
Dec 28, 2020	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Nov 30, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 26, 2018	Grant Deed, Transfer · FHA Mortgage MASON MCDUFFIE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2025 · Amount on Record
Deed Sale	Jul 29, 2025 · Amount on Record
Deed Document Number	202515724
Prior Transfer Date	Nov 30, 2018
Prior Transfer Doc	0000035676
Record Updated	Sep 20, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	430 HILLCREST DR, APTOS, CA 95003-4313
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034665
Date	Nov 7, 2019
Instrument	2019-0034665

Lender

Name	MASON MCDUFFIE MORTGAGE CORP
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	430 HILLCREST DR, APTOS, CA 95003-4313
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK TITLE CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	500 CATHEDRAL DR 2724, 2724, APTOS, CA 95001-5110

Mortgage

Document Number	0000056537
Date	Dec 28, 2020
Instrument	2020-0056537

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution
Address	FORT WASHINGTON, PA 19034

Agreement

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

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 30, 2018
Property Address	430 HILLCREST DR, APTOS, CA 95003-4313
Document Number	0000035676
Instrument Date	Nov 30, 2018
Instrument	35676
Transaction Type	Transfer
Record Updated	Dec 17, 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	Personal Trust
Address	426 HILLCREST DR APTOS CA 950034313, APTOS, CA 95003-4313

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 26, 2018
Property Address	430 HILLCREST DR, APTOS, CA 95003-4313
Document Number	0000019471
Instrument Date	Jun 15, 2018
Instrument	19471
Transaction Type	Transfer
Record Updated	Jul 17, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$825.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	426 HILLCREST DR APTOS CA 950034313, APTOS, CA 95003-4313

Mortgage

Document Number	19472
Date	Jun 26, 2018
Instrument	19472

Lender

Name	MASON MCDUFFIE MTG
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 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		$1,300,000 (+52.34%) Land $1,040,000 Building $260,000
2025	$11,407.00 (+11.72%)	$853,372 (+4.04%) Land $682,698 Building $170,674
2023	$10,210.00 (+2.24%)	$820,235 Land $656,188 Building $164,047	$894,420
2022	$9,986.00

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
Flood Insurance Cost	Premium on Record median of 23 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	12 (1982–2023)
Claims Outside the SFHA	1 of 12
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 6 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 3 claims

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	0.01% 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 514 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
Starlink Satellite	280 / 30
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Cruzio, GeoLinks, Verizon.

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