431 Sumner Ave, Aptos, CA 95003 Property Records

Santa Cruz County property record for 431 Sumner Ave, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,586 sqft · built 1978
Lot Size	0.176 acres (7,667 sqft)
Owner	Individual Name on Record
Tax Bill	$6,008 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Jul 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`044-072-03`

Property Details

APN / Parcel Number

Primary APN	`044-072-03`
Alternative APN	`044-072-03-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,586 sqft Living Area
Gross Area	2,026 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Construction Type	Wood
Roof Material	Other
Lot Area	7,667 sqft (0.176 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Deck Area	604 sqft
Patio Area	604 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	431 SUMNER AVE
City	APTOS
State	CA
Zip	95003-5214
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-5
Legal Subdivision	262 APTOS BEACH COUNTRY CLUB P
Legal Lot Number	2
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1006
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 SUMNER AVE, APTOS, CA 95003-5214
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2025	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jul 12, 2019	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 19, 2016
Transfer Doc	0000007528
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	431 SUMNER AVE, APTOS, CA 95003-5214
Transaction Type	Mortgage
Record Updated	Oct 30, 2025
Title Company	WFG LENDER SERVICES, WFG LENDER SERVICES RESWARE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 SUMNER AVE, APTOS, CA 95003-5214

Mortgage

Document Number	0000022292
Date	Oct 17, 2025
Instrument	2025-0022292

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 29, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 12, 2019
Property Address	431 SUMNER AVE, APTOS, CA 95003-5214
Document Number	0000019519
Instrument Date	Jun 25, 2019
Instrument	19519
Transaction Type	Transfer
Record Updated	Jul 22, 2019
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	431 SUMNER AVE APTOS CA 950035214, APTOS, CA 95003-5214

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		$404,027 (+2%) Land $207,188 Building $196,839
2025	$6,008.00 (+11.69%) Homeowner's exemption	$396,105 (+4.04%) Land $203,126 Building $192,979
2023	$5,379.00 (+2.75%) Homeowner's exemption	$380,724 Land $195,238 Building $185,486	$1,344,870
2022	$5,235.00

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 712 locations within half a mile, as of December 31, 2025

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, Etheric Networks, T-Mobile, Verizon.

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