Santa Cruz County property record for 440 Aptos Creek Rd, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 1,234 sqft · built 1982 |
| Lot Size | 0.231 acres (10,062 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $5,034 (2025) |
| Deeds & Mortgages | Aug 2021 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-217-26 |
| Primary APN | 040-217-26 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Building Area | 1,234 sqft Living Area |
| Gross Area | 1,594 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 10,062 sqft (0.231 acres) |
| Terrain | Steep |
| Garage Type | Attached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 360 sqft |
| Patio Area | 360 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 440 APTOS CREEK RD |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-3950 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-15 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 122002 |
440 Aptos Creek Rd is owned and occupied by an individual who acquired it in August 2021.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 440 APTOS CREEK RD, APTOS, CA 95003-3950 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Aug 22, 2021 |
| Transfer Doc | 0000044101 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Aug 25, 2021 |
| Property Address | 440 APTOS CREEK RD, APTOS, CA 95003-3950 |
| Document Number | 0000044101 |
| Map Reference | VOL 22 PG 41 |
| Instrument Date | Aug 22, 2021 |
| Instrument | 2021-0044101 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 440 APTOS CREEK RD, APTOS, CA 95003-3950 |
The 2025 property tax bill for 440 Aptos Creek Rd was $5,034.
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $409,987 (+2%) Land $214,867 Building $195,120 | ||
| 2025 | $5,034.00 | $401,947 Land $210,653 Building $191,294 | |
| 2023 | $4,551.00 (+1.95%) | $386,340 Land $202,474 Building $183,866 | $784,080 |
| 2022 | $4,464.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 440 Aptos Creek Rd in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1982.
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 | 5 in force |
| Nearby Flood Claims | 7 (1982–2000) |
| Claims Outside the SFHA | 6 of 7 |
| Most Recent Claim | Feb 2000 · rainfall accumulation |
| Claims by Event |
|
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 risk around 440 Aptos Creek Rd is moderate, ranking above 43% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 43% of the US · lower than 74% of California |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 151 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
May also be available: AT&T, Cruzio, Surfnet Communications, T-Mobile, Verizon.
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