440 Monterey Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 440 Monterey Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,208 sqft · built 1965
Lot Size	0.114 acres (4,966 sqft)
Owner	Individual Name on Record
Last Sale	$980,000 (Oct 2020)
Tax Bill	$13,602 (2025)
Deeds & Mortgages	Apr 2019 Line of Credit Oct 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`044-122-52`

Property Details

APN / Parcel Number

Primary APN	`044-122-52`
Alternative APN	`044-122-52-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,208 sqft Living Area
Gross Area	1,608 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Construction Type	Wood
Roof Material	Other
Lot Area	4,966 sqft (0.114 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	280 sqft
Patio Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	440 MONTEREY DR
City	APTOS
State	CA
Zip	95003-4810
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-5
Legal Subdivision	APTOS BCH CNTRY CLB PROP 01
Legal Lot Number	9
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1001
Census Tract	122202

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	Individual Name on Record
Mailing Address	440 MONTEREY DR, APTOS, CA 95003-4810
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2019	Deed of Trust, Mortgage · Line of Credit COMERICA BANK
Oct 26, 2020	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Oct 26, 2020	Quit Claim Deed, Transfer STEWART TITLE, STEWART TITLE/CA
Mar 23, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 26, 2020 · Amount on Record
Deed Sale	Oct 26, 2020 · Amount on Record
Prior Sale	Jan 27, 2011 · Amount on Record
Deed Document Number	202043942
Prior Transfer Date	Oct 15, 2020
Prior Transfer Doc	0000043941
Record Updated	Sep 20, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	440 MONTEREY DR, APTOS, CA 95003-4810
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010833
Date	Apr 25, 2019
Instrument	2019-0010833

Lender

Name	COMERICA BANK
Type	Bank
Address	DALLAS, TX 75201

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 26, 2020
Property Address	440 MONTEREY DR, APTOS, CA 95003-4810
Document Number	0000043942
Map Reference	MB 23 PG 1
Instrument Date	Oct 22, 2020
Instrument	2020-0043942
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	STEWART TITLE OF CA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 MONTEREY DR, APTOS, CA 95003-4810

Mortgage

Document Number	0000043943
Date	Oct 26, 2020
Instrument	2020-0043943

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 26, 2020
Property Address	440 MONTEREY DR, APTOS, CA 95003-4810
Document Number	0000043941
Instrument Date	Oct 15, 2020
Instrument	43941
Transaction Type	Transfer
Record Updated	Nov 16, 2020
Title Company	STEWART TITLE, STEWART TITLE/CA

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	440 MONTEREY DR APTOS CA 950034810, APTOS, CA 95003-4810

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 23, 2018
Property Address	440 MONTEREY DR, APTOS, CA 95003-4810
Document Number	0000008745
Instrument Date	Mar 16, 2018
Instrument	8745
Transaction Type	Transfer
Record Updated	Apr 11, 2018
Title Company	ATTORNEY ONLY

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	440 MONTEREY DR APTOS CA 950034810, APTOS, CA 95003-4810

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		$1,081,999 (+2%) Land $811,499 Building $270,500
2025	$13,602.00 (+7.78%)	$1,060,784 (+4.04%) Land $795,588 Building $265,196
2024	$12,620.00 (+2.03%)
2023	$12,369.00 (+2.16%)	$1,019,592 Land $764,694 Building $254,898	$993,150
2022	$12,108.00

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	4 in force
Nearby Flood Claims	6 (1982–2016)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Mar 2016 · rainfall accumulation

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

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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