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435 Monterey Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 435 Monterey Dr, Aptos, CA 95003 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,470 sqft · built 1986
Lot Size1.37 acres (59,895 sqft)
Owner2 Individual Names on File
Tax Bill$12,664 (2025)
Deeds & MortgagesDec 2021 Reverse Mortgage
May 2019 Reverse Mortgage
Flood ZoneZone X (minimal risk)
APN044-022-01

Property Details

APN / Parcel Number

Primary APN044-022-01
Alternative APN
  • 044-022-01-000

Interior

Bedrooms3 Beds
Full Baths3 Baths
Total Rooms7 Rooms
Building Area2,470 sqft Living Area
Gross Area3,094 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1986
Effective Year BuiltEffective 1986
Construction TypeWood
Roof TypeSawtooth
Roof MaterialComposition Shingle
Lot Area59,895 sqft
TerrainSteep
Garage TypeAttached
Garage Area624 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address435 MONTEREY DR
CityAPTOS
StateCA
Zip95003-4809
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal SubdivisionDEER PARK VILLA SITES 01
Legal Lot Number48
JurisdictionSANTA CRUZ CA
Township / Civil DivisionSANTA CRUZ
Census Block Group1
Census Block1002
Census Tract122202

Owner

Source: Santa Cruz County records · APN 044-022-01

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 Record2 Individual Names on File
Mailing AddressPO BOX 220, SOQUEL, CA 95073-0220
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 14, 2021Deed of Trust, Mortgage · Reverse Mortgage
LONGBRIDGE FINANCIAL LLC
May 14, 2019Deed of Trust, Mortgage · Reverse Mortgage
REVERSE MORTGAGE FUNDING LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Record UpdatedSep 20, 2026

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address435 MONTEREY DR, APTOS, CA 95003-4809
Transaction TypeMortgage
Record UpdatedDec 30, 2021
Title CompanyNORTH AMERICAN TITLE COMPANY, NORTH AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

NameVerified Name
Address435 MONTEREY DR, APTOS, CA 95003-4809

Mortgage

Document Number0000060306
DateDec 14, 2021
Instrument2021-0060306
Lender
NameLONGBRIDGE FINANCIAL LLC
TypeReverse Mortgage Lender
AddressMAHWAH, NJ 07495
Agreement
TypeReverse Mortgage
AmountAmount Recorded
Interest
Rate TypeFixed Rate

May 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address435 MONTEREY DR, APTOS, CA 95003-4809
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyFNC TITLE OF CALIFORNIA

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000012715
DateMay 14, 2019
Instrument2019-0012715
Lender
NameREVERSE MORTGAGE FUNDING LLC
TypeReverse Mortgage Lender
AddressBLOOMFIELD, NJ 07003
Agreement
TypeReverse Mortgage
AmountAmount Recorded
Term902 Months
DueJul 13, 2094
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
Unified School DistrictPajaro 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.

YearTax BillAssessed ValueAssessed Market Value
2026$1,004,575 (+2%) Land $563,008 Building $441,567
2025$12,664.00 (+10.09%) Homeowner's exemption$984,877 (+4.04%) Land $551,968 Building $432,909
2023$11,503.00 (+2.19%) Homeowner's exemption$946,634 Land $530,535 Building $416,099$1,573,740
2022$11,256.00

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 060871222021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies4 in force
Nearby Flood Claims6 (1982–2016)
Claims Outside the SFHA3 of 6
Most Recent ClaimMar 2016, rainfall accumulation

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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 511 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable1,200 / 35
Surfnet CommunicationsFixed Wireless100 / 20

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

Mobile Coverage

5G (outdoors only) and 4G LTE

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