431 Saint Andrews Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 431 Saint Andrews Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,818 sqft · built 2004
Lot Size	0.317 acres (13,809 sqft)
Owner	Individual Name on Record
Last Sale	$2,750,000 (Mar 2021)
Tax Bill	$35,266 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Mar 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`053-201-14`

Property Details

APN / Parcel Number

Primary APN	`053-201-14`
Alternative APNs	`053-201-14-000` `05320111000`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Building Area	3,818 sqft Living Area
Gross Area	4,613 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	13,809 sqft (0.317 acres)
Garage Type	Attached
Garage Area	795 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	431 SAINT ANDREWS DR
City	APTOS
State	CA
Zip	95003-5420
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10
Legal Subdivision	COUNTRY CLUB PARK
Legal Lot Number	165
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1007
Census Tract	122203

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	Individual Name on Record
Mailing Address	431 SAINT ANDREWS DR, APTOS, CA 95003-5420
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2021	Grant Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Mar 26, 2021	Intrafamily Transfer, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY
Mar 26, 2021	Intrafamily Transfer, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 26, 2021 · Amount on Record
Deed Sale	Mar 26, 2021 · Amount on Record
Prior Sale	Jul 22, 1999 · Amount on Record
Deed Document Number	202117653
Prior Transfer Date	Mar 22, 2021
Prior Transfer Doc	0000017651
Record Updated	Sep 20, 2026

March 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 26, 2021
Property Address	431 SAINT ANDREWS DR, APTOS, CA 95003-5420
Document Number	0000017653
Map Reference	MB 37 PG 66
Instrument Date	Mar 23, 2021
Instrument	2021-0017653
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,025.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	431 SAINT ANDREWS DR, APTOS, CA 95003-5420

Mortgage

Document Number	0000017654
Date	Mar 26, 2021
Instrument	2021-0017654

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 26, 2021
Property Address	431 SAINT ANDREWS DR, APTOS, CA 95003-5420
Document Number	0000017652
Map Reference	MB 37 PG 66
Instrument Date	Mar 23, 2021
Instrument	2021-0017652
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7331 INWOOD RD, DALLAS, TX 75209-3933

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 26, 2021
Property Address	431 SAINT ANDREWS DR, APTOS, CA 95003-5420
Document Number	0000017651
Map Reference	MB 37 PG 66
Instrument Date	Mar 22, 2021
Instrument	2021-0017651
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7331 INWOOD RD, DALLAS, TX 75209-3933

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		$3,036,222 (+2%) Land $1,973,544 Building $1,062,678
2025	$35,266.00 (+9.17%)	$2,976,688 (+4.04%) Land $1,934,847 Building $1,041,841
2023	$32,303.00 (+1.89%)	$2,861,100 Land $1,859,715 Building $1,001,385	$2,712,150
2022	$31,704.00

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 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 Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.02% annual chance
Exposure	Direct 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 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 574 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: AT&T, Cruzio, Etheric Networks, Surfnet Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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