431 Seaview Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 431 Seaview Dr, Aptos, CA 95003 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,221 sqft · built 1964
Lot Size	0.131 acres (5,706 sqft)
Owner	Individual Name on File
Last Sale	$3,200,000 (Apr 2024)
Tax Bill	$31,492 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Mar 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`043-102-12`

Property Details

APN / Parcel Number

Primary APN	`043-102-12`
Alternative APN	`043-102-12-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Building Area	2,221 sqft Living Area
Gross Area	3,035 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 2015
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	5,706 sqft (0.131 acres)
View / Lot	Ocean
Garage Type	Attached
Garage Area	814 sqft
Parking Spaces	3 Parking Spaces
Deck Area	616 sqft
Patio Area	616 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	431 SEAVIEW DR
City	APTOS
State	CA
Zip	95003-5133
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLK 89 LOT 7
Legal Subdivision	APTOS BCH CNTRY CLB PROPS 06
Legal Block	89
Legal Lot Number	7
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1011
Census Tract	122205

Owner

Source: Santa Cruz County records · APN 043-102-12

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	Individual Name on File
Mailing Address	431 SEAVIEW DR, APTOS, CA 95003-5133
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2024	Grant Deed, Transfer · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Mar 06, 2023	Deed of Trust, Mortgage · Line of Credit FIRST REPUBLIC BANK
Mar 06, 2023	Deed of Trust, Mortgage · Conventional Mortgage FIRST REPUBLIC BANK
Jul 25, 2017	Quit Claim Deed, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 16, 2024 · Amount on Record
Deed Sale	Apr 16, 2024 · Amount on Record
Prior Sale	Feb 02, 2024 · Amount on Record
Deed Document Number	20247014
Prior Transfer Date	Jan 30, 2024
Prior Transfer Doc	0000002065
Record Updated	Sep 20, 2026

April 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 16, 2024
Property Address	431 SEAVIEW DR, APTOS, CA 95003-5133
Document Number	0000007014
Map Reference	MB 23 PG 35
Instrument Date	Mar 26, 2024
Instrument	2024-0007014
Transaction Type	Transfer
Record Updated	May 17, 2024
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,520.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	431 SEAVIEW DR, APTOS, CA 95003-5133

Mortgage

Document Number	0000007015
Date	Apr 16, 2024
Instrument	2024-0007015

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.1%
Type Change Date	May 01, 2034
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.1%
Index	SOFR Average 30-Day
Margin	3
Max Rate	11.1%

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	431 SEAVIEW DR, APTOS, CA 95003-5133
Transaction Type	Mortgage
Record Updated	Mar 22, 2023
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 SEAVIEW DR, APTOS, CA 95003-5133

Mortgage

Document Number	0000003714
Date	Mar 06, 2023
Instrument	2023-0003714

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Mar 26, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	431 SEAVIEW DR, APTOS, CA 95003-5133
Transaction Type	Mortgage
Record Updated	Mar 22, 2023
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 SEAVIEW DR, APTOS, CA 95003-5133

Mortgage

Document Number	0000003713
Date	Mar 06, 2023
Instrument	2023-0003713

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Jun 01, 2028
Change Frequency	Monthly
Min Rate At Change	3.95%
Max Rate At Change	10.9%
Index	1-Year T-Bill
Max Rate	10.9%

July 2017: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 25, 2017
Property Address	431 SEAVIEW DR, APTOS, CA 95003-5133
Document Number	0000024322
Instrument Date	Jul 18, 2017
Instrument	24322
Transaction Type	Mortgage
Record Updated	Aug 23, 2018
Title Company	ORANGE COAST TITLE COMPANY, ORANGE COAST TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	135 LAUREL ST ATHERTON CA 940273119, ATHERTON, CA 94027-3119

Mortgage

Document Number	24323
Date	Jul 25, 2017
Instrument	24323

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 24, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.62%

Tax Assessment & Valuation

Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 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

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		$2,682,482 (+2%) Land $2,065,511 Building $616,971
2025	$31,492.00 (+29.65%)	$2,629,884 (+27.64%) Land $2,025,011 Building $604,873
2024	$24,290.00 (+2.78%)
2023	$23,633.00 (+1.95%)	$2,060,426 Land $1,577,514 Building $482,912	$1,868,670
2022	$23,181.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060871222051, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 62 individual NFIP policies nearby
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	62 in force
Nearby Flood Claims	21 (1998–2023)
Most Recent Claim	Dec 2023, tidal / storm surge
Claims By Storm	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 14 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 712 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
Surfnet Communications	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20

May also be available at this address: Etheric Communications, LLC., Cruzio Internet, AT&T, Verizon, T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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