433 Palmer Ave, Aptos, CA 95003 Property Records

Santa Cruz County property record for 433 Palmer Ave, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,965 sqft · built 1970
Lot Size	0.122 acres (5,314 sqft)
Owner	2 Individual Names on File
Last Sale	$550,000 (Oct 2011)
Tax Bill	$9,419 (2025)
Deeds & Mortgages	May 2021 Mortgage Oct 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`044-331-07`

Property Details

APN / Parcel Number

Primary APN	`044-331-07`
Alternative APN	`044-331-07-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	1,965 sqft Living Area
Gross Area	2,355 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Construction Type	Wood
Roof Material	Other
Lot Area	5,314 sqft (0.122 acres)
Garage Type	Attached
Garage Area	390 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	433 PALMER AVE
City	APTOS
State	CA
Zip	95003-5211
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-5
Legal Subdivision	APTOS BCH CNTRY CLB PROP SUB 1
Legal Block	11
Legal Lot Number	3
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1006
Census Tract	122203

Owner

Source: Santa Cruz County assessment roll, 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 Individual Names on File
Mailing Address	433 PALMER AVE, APTOS, CA 95003-5211
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
May 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Oct 22, 2019	Deed of Trust, Mortgage · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 21, 2011 · Amount on Record
Deed Sale	Oct 21, 2011 · Amount on Record
Prior Sale	Dec 22, 2003 · Amount on Record
Deed Document Number	201143104
Prior Transfer Date	Oct 13, 2008
Prior Transfer Doc	0000044450
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	433 PALMER AVE, APTOS, CA 95003-5211
Transaction Type	Mortgage
Record Updated	Jun 2, 2021
Title Company	TITLE CONNECTION, TITLE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 PALMER AVE, APTOS, CA 95003-5211

Mortgage

Document Number	0000028695
Date	May 20, 2021
Instrument	2021-0028695

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	276 Months
Due	May 1, 2044

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	433 PALMER AVE, APTOS, CA 95003-5211
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032588
Date	Oct 22, 2019
Instrument	2019-0032588

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Sep 21, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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
2026		$704,648 (+2%) Land $422,789 Building $281,859
2025	$9,419.00 (+10.55%)	$690,832 (+4.04%) Land $414,499 Building $276,333
2023	$8,520.00 (+2.34%)	$664,006 Land $398,404 Building $265,602
2022	$8,325.00

Assessed value is set for property tax purposes and is not a market price estimate.

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	None beyond ember reach

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 Internet, Etheric Communications, LLC., Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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