Santa Cruz County property record for 440 Palmer Ave, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,440 sqft · built 1963 |
| Lot Size | 0.161 acres (7,013 sqft) |
| Owner | Company Name on File |
| Last Sale | $540,000 (Jun 2002) |
| Tax Bill | $10,858 (2025) |
| Deeds & Mortgages | Apr 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 044-332-07 |
| Primary APN | 044-332-07 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Building Area | 1,440 sqft Living Area |
| Gross Area | 1,820 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 7,013 sqft (0.161 acres) |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 248 sqft |
| Patio Area | 248 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 440 PALMER AVE |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-5247 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-5 |
| Legal Subdivision | APTOS BEACH 01 |
| Legal Block | 8 |
| Legal Lot Number | 7 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 122203 |
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 | Company Name on File |
|---|---|
| Mailing Address | 440 PALMER AVE, APTOS, CA 95003-5247 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 28, 2002 · Amount on Record |
| Deed Sale | Jun 28, 2002 · Amount on Record |
| Deed Document Number | 200246215 |
| Last Transfer Date | Jun 7, 2016 |
| Transfer Doc | 0000021268 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 440 PALMER AVE, APTOS, CA 95003-5247 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SOLIDIFI TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000011073 |
|---|---|
| Date | Apr 1, 2020 |
| Instrument | 2020-0011073 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | LA JOLLA, CA 92037 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $841,615 (+2%) Land $527,399 Building $314,216 | ||
| 2025 | $10,858.00 (+10.33%) Homeowner's exemption | $825,111 (+4.04%) Land $517,057 Building $308,054 | |
| 2023 | $9,841.00 (+2.28%) Homeowner's exemption | $793,071 Land $496,979 Building $296,092 | $990,990 |
| 2022 | $9,622.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 |
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 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.
5G (outdoors only) and 4G LTE
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