432 Ewell Ave, Aptos, CA 95003 Property Records

Santa Cruz County property record for 432 Ewell Ave, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,325 sqft · built 1961
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Company Names on Record
Last Sale	$625,000 (Mar 2015)
Tax Bill	$10,022 (2025)
Deeds & Mortgages	Jun 2021 Line of Credit Dec 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`044-115-21`

Property Details

APN / Parcel Number

Primary APN	`044-115-21`
Alternative APN	`044-115-21-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,325 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Other
Lot Area	8,712 sqft (0.2 acres)
Terrain	Steep
Garage Type	Carport
Garage Area	400 sqft
Carport	Carport
Carport Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	317 sqft
Patio Area	317 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	432 EWELL AVE
City	APTOS
State	CA
Zip	95003-5244
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-5
Legal Subdivision	APTOS BEACH CC PROPERTIES
Legal Lot Number	8
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1003
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	2 Company Names on Record
Mailing Address	432 EWELL AVE, APTOS, CA 95003-5244
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2021	Deed of Trust, Mortgage · Line of Credit SANTA CRUZ COUNTY BANK
Dec 17, 2018	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Dec 3, 2020	Quit Claim Deed, Transfer RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC
Dec 3, 2020	Quit Claim Deed, Transfer BETTER MTG CORP ISAOA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2015 · Amount on Record
Deed Sale	Mar 17, 2015 · Amount on Record
Prior Sale	Mar 12, 2004 · Amount on Record
Deed Document Number	20159584
Last Transfer Date	Nov 27, 2020
Transfer Doc	0000051825
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	432 EWELL AVE, APTOS, CA 95003-5244
Transaction Type	Mortgage
Record Updated	Jul 7, 2021
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 EWELL AVE, APTOS, CA 95003-5244

Mortgage

Document Number	0000033752
Date	Jun 21, 2021
Instrument	2021-0033752

Lender

Name	SANTA CRUZ COUNTY BANK
Type	Bank
Address	SANTA CRUZ, CA 95061

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	432 EWELL AVE, APTOS, CA 95003-5244
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000037515
Date	Dec 17, 2018
Instrument	2018-0037515

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jan 8, 2049

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 3, 2020
Property Address	432 EWELL AVE, APTOS, CA 95003-5244
Document Number	0000051825
Instrument Date	Nov 27, 2020
Instrument	51825
Transaction Type	Transfer
Record Updated	Dec 16, 2020
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	432 EWELL AVE APTOS CA 950035244, APTOS, CA 95003-5244

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 3, 2020
Property Address	432 EWELL AVE, APTOS, CA 95003-5244
Document Number	0000051823
Instrument Date	Nov 27, 2020
Instrument	51823
Transaction Type	Transfer
Record Updated	Dec 16, 2020
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 EWELL AVE APTOS CA 950035244, APTOS, CA 95003-5244

Mortgage

Document Number	51824
Date	Dec 3, 2020
Instrument	51824

Lender

Name	BETTER MTG CORP ISAOA
Address	NEW YORK, NY 10271

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 2, 2050

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		$766,180 (+2%) Land $582,297 Building $183,883
2025	$10,022.00 (+10.47%) Homeowner's exemption	$751,157 (+4.04%) Land $570,879 Building $180,278
2023	$9,072.00 (+1.45%) Homeowner's exemption	$721,988 Land $548,711 Building $173,277	$849,150
2022	$8,942.00

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	0.01% 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 511 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
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Cruzio, Etheric Networks, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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