Santa Cruz County property record for 430 Sumner Ave, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,459 sqft · built 1980 |
| Lot Size | 0.133 acres (5,793 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $900,000 (Apr 2017) |
| Tax Bill | $13,418 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage Apr 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 044-073-39 |
| Primary APN | 044-073-39 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,459 sqft Living Area |
| Gross Area | 1,886 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 5,793 sqft (0.133 acres) |
| Garage Type | Attached |
| Garage Area | 427 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 430 SUMNER AVE |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-5215 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-5 |
| Legal Description | BLK 25 LOT 12 |
| Legal Subdivision | APTOS BEACH CC PROP |
| Legal Block | 25 |
| Legal Lot Number | 12 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 122205 |
Source: Santa Cruz County records · APN 044-073-39
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 Trust Names on File |
|---|---|
| Mailing Address | 430 SUMNER AVE, APTOS, CA 95003-5215 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Jun 12, 2020 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Apr 06, 2017 | Grant Deed, Transfer OPES ADVISORS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 06, 2017 · Amount on Record |
| Deed Sale | Apr 06, 2017 · Amount on Record |
| Prior Sale | Sep 30, 2014 · Amount on Record |
| Deed Document Number | 201711522 |
| Prior Transfer Date | May 07, 1998 |
| Prior Transfer Doc | 0000031497 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 430 SUMNER AVE, APTOS, CA 95003-5215 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | AMROCK TITLE CALIFORNIA INC |
| Name | Verified Name |
|---|
| Document Number | 0000020635 |
|---|---|
| Date | Jun 12, 2020 |
| Instrument | 2020-0020635 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Apr 06, 2017 |
| Property Address | 430 SUMNER AVE, APTOS, CA 95003-5215 |
| Document Number | 0000011522 |
| Instrument Date | Apr 03, 2017 |
| Instrument | 11522 |
| Transaction Type | Transfer |
| Record Updated | Apr 21, 2017 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $990.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 430 SUMNER AVE APTOS CA 950035215, APTOS, CA 95003-5215 |
| Document Number | 11523 |
|---|---|
| Date | Apr 06, 2017 |
| Instrument | 11523 |
| Name | OPES ADVISORS |
|---|---|
| Address | CUPERTINO, CA 95014 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Apr 05, 2047 |
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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,065,417 (+2%) Land $799,063 Building $266,354 | ||
| 2025 | $13,418.00 (+9.99%) | $1,044,528 (+4.04%) Land $783,396 Building $261,132 | |
| 2023 | $12,199.00 (+2.15%) | $1,003,967 Land $752,975 Building $250,992 | $1,007,640 |
| 2022 | $11,942.00 |
Source: FEMA National Flood Hazard Layer as of July 10, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 | 4 in force |
| Wildfire Risk | Low lower than 80% of the US · lower than 88% of California |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max 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.
Based on FCC filings for 712 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SOQUEL CREEK WATER DISTRICT serves 40,962 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2023 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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