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440 Sumner Ave, Aptos, CA 95003 Property Records

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

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,134 sqft · built 1971
Lot Size0.124 acres (5,401 sqft)
OwnerIndividual Name on File
Last Sale$1,350,000 (Dec 2021)
Tax Bill$17,806 (2025)
Deeds & MortgagesDec 2021 Sale & Mortgage
Nov 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN044-073-10

Property Details

APN / Parcel Number

Primary APN044-073-10
Alternative APN
  • 044-073-10-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms8 Rooms
Building Area2,134 sqft Living Area

Exterior

Year BuiltBuilt 1971
Effective Year BuiltEffective 1990
Construction TypeWood
Roof MaterialOther
Lot Area5,401 sqft (0.124 acres)
Garage TypeCarport
Garage Area390 sqft
CarportCarport
Carport Area390 sqft
Parking Spaces1 Parking Space
Deck Area88 sqft
Patio Area88 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address440 SUMNER AVE
CityAPTOS
StateCA
Zip95003-5215
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBLK 25 LOT 17
Legal SubdivisionAPTOS BEACH CC PROP
Legal Block25
Legal Lot Number17
JurisdictionSANTA CRUZ CA
Township / Civil DivisionSANTA CRUZ
Census Block Group2
Census Block2000
Census Tract122205

Owner

Source: Santa Cruz County records · APN 044-073-10

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 RecordIndividual Name on File
Mailing Address440 SUMNER AVE, APTOS, CA 95003-5215
OccupancyOwner Occupied
Owner TypeIndividual
VestingCommunity Property

Deeds, Mortgages & Sale History

DateDocument
Dec 16, 2021Grant Deed, Transfer · Conventional Mortgage
EVOLVE BANK & TRUST
Nov 27, 2019Deed of Trust, Mortgage · Conventional Mortgage
WELLS FARGO BANK NA

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 16, 2021 · Amount on Record
Deed SaleDec 16, 2021 · Amount on Record
Prior SaleJul 27, 2015 · Amount on Record
Deed Document Number202160732
Prior Transfer DateAug 26, 2015
Prior Transfer Doc0000036410
Record UpdatedSep 20, 2026

December 2021: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSANTA CRUZ CA
Recording DateDec 16, 2021
Property Address440 SUMNER AVE, APTOS, CA 95003-5215
Document Number0000060732
Map ReferenceMB 23 PG 1
Instrument DateDec 03, 2021
Instrument2021-0060732
Transaction TypeTransfer
Record UpdatedDec 30, 2021
Title CompanyFIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,485.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property with Right of Survivorship
Address440 SUMNER AVE, APTOS, CA 95003-5215

Mortgage

Document Number0000060733
DateDec 16, 2021
Instrument2021-0060733
Lender
NameEVOLVE BANK & TRUST
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2052

November 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address440 SUMNER AVE, APTOS, CA 95003-5215
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyWFG NATIONAL TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000037243
DateNov 27, 2019
Instrument2019-0037243
Lender
NameWELLS FARGO BANK NA
TypeBank
AddressSIOUX FALLS, SD 57104
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2049

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$1,461,283 (+2%) Land $1,022,898 Building $438,385
2025$17,806.00 (+9.66%)$1,432,631 (+4.04%) Land $1,002,842 Building $429,789
2023$16,237.00 (+2.06%)$1,377,000 Land $963,900 Building $413,100$1,282,770
2022$15,910.00

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 060871222052, 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

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 574 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable1,200 / 35

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

Mobile Coverage

5G and 4G LTE (outdoors only)

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