440 Ewell Ave, Aptos, CA 95003 Property Records

Santa Cruz County property record for 440 Ewell Ave, Aptos, CA 95003 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,611 sqft · built 1951
Lot Size	0.164 acres (7,144 sqft)
Owner	2 Individual Names on File
Last Sale	$440,000 (Jun 2010)
Tax Bill	$8,030 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Apr 2022 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`044-115-25`

Property Details

APN / Parcel Number

Primary APN	`044-115-25`
Alternative APN	`044-115-25-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	1,611 sqft Living Area
Gross Area	1,811 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	7,144 sqft (0.164 acres)
Garage Type	Attached
Garage Area	200 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	440 EWELL AVE
City	APTOS
State	CA
Zip	95003-5244
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLK 6 LOT 12
Legal Subdivision	APTOS BCH CNTRY CLB PROPS 01
Legal Block	6
Legal Lot Number	12
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 · APN 044-115-25

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 Record	2 Individual Names on File
Mailing Address	440 EWELL AVE, APTOS, CA 95003-5244
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2026	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Apr 13, 2022	Deed of Trust, Mortgage · Line of Credit BAY FCU
May 06, 2022	Intrafamily Transfer, Transfer
May 06, 2022	Intrafamily Transfer, Transfer
Dec 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 07, 2010 · Amount on Record
Deed Sale	Jun 07, 2010 · Amount on Record
Prior Sale	Oct 12, 1994 · Amount on Record
Deed Document Number	201021549
Last Transfer Date	Apr 22, 2022
Transfer Doc	0000014547
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	440 EWELL AVE, APTOS, CA 95003-5244
Transaction Type	Mortgage
Record Updated	Feb 11, 2026
Title Company	UNKNOWN, TITLE365 COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 EWELL AVE, APTOS, CA 95003-5244

Mortgage

Document Number	0000001867
Date	Jan 28, 2026
Instrument	2026-0001867

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jan 14, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	440 EWELL AVE, APTOS, CA 95003-5244
Transaction Type	Mortgage
Record Updated	Apr 27, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TIT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 EWELL AVE, APTOS, CA 95003-5244

Mortgage

Document Number	0000011927
Date	Apr 13, 2022
Instrument	2022-0011927

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	May 15, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	May 06, 2022
Property Address	440 EWELL AVE, APTOS, CA 95003-5244
Document Number	0000014547
Map Reference	MB 23 PG 1
Instrument Date	Apr 22, 2022
Instrument	2022-0014547
Transaction Type	Transfer
Record Updated	May 31, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	440 EWELL AVE, APTOS, CA 95003-5244

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	May 06, 2022
Property Address	440 EWELL AVE, APTOS, CA 95003-5244
Document Number	0000014546
Map Reference	MB 23 PG 1
Instrument Date	Apr 22, 2022
Instrument	2022-0014546
Transaction Type	Transfer
Record Updated	Jun 07, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	440 EWELL AVE, APTOS, CA 95003-5244

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	440 EWELL AVE, APTOS, CA 95003-5244
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	PACIFIC COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000040931
Date	Dec 26, 2019
Instrument	2019-0040931

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2049

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	440 EWELL AVE, APTOS, CA 95003-5244
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	PACIFIC COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 EWELL AVE, APTOS, CA 95003-5244

Mortgage

Document Number	0000041260
Date	Oct 13, 2020
Instrument	2020-0041260

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Sep 01, 2040

Tax Assessment & Valuation

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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$579,325 (+2%) Land $329,162 Building $250,163
2025	$8,030.00 (+10.88%)	$567,966 (+4.04%) Land $322,708 Building $245,258
2023	$7,242.00 (+2.45%)	$545,910 Land $310,176 Building $235,734	$778,050
2022	$7,069.00

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 060871222031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None 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

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	1,200 / 35
Surfnet Communications	Fixed Wireless	100 / 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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