441 Ranchitos del Sol, Aptos, CA 95003 Property Records

Santa Cruz County property record for 441 Ranchitos del Sol, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,284 sqft · built 1978
Lot Size	2.68 acres (116,915 sqft)
Owner	2 Individual Names on File
Last Sale	$638,000 (Sep 2012)
Tax Bill	$6,287 (2025)
Deeds & Mortgages	Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`105-351-02`

Property Details

APN / Parcel Number

Primary APN	`105-351-02`
Alternative APN	`105-351-02-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	2,284 sqft Living Area
Gross Area	2,751 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	116,915 sqft
Terrain	Steep
View / Lot	Mountain
Garage Type	Attached
Garage Area	467 sqft
Parking Spaces	2 Parking Spaces
Deck Area	796 sqft
Patio Area	796 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	441 RANCHITOS DEL SOL
City	APTOS
State	CA
Zip	95003-9733
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Subdivision	SANTA CRUZ LAND TITLE COMPANY
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1001
Census Tract	122002

Owner

Source: Santa Cruz County records · APN 105-351-02

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	441 RANCHITOS DEL SOL, APTOS, CA 95003-9733
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 06, 2012 · Amount on Record
Deed Sale	Sep 06, 2012 · Amount on Record
Prior Sale	May 02, 1997 · Amount on Record
Deed Document Number	201242715
Last Transfer Date	Aug 23, 2013
Transfer Doc	0000043482
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	441 RANCHITOS DEL SOL, APTOS, CA 95003-9733
Document Number	0000030973
Instrument Date	Aug 08, 2020
Transaction Type	Mortgage
Record Updated	Aug 31, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	441 RANCHITOS DEL SOL APTOS CA 950039733, APTOS, CA 95003-9733

Mortgage

Document Number	0000030973
Date	Aug 14, 2020
Instrument	30973

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 13, 2050

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		$525,320 (+2%) Land $234,054 Building $291,266
2025	$6,287.00 (+10.2%) Homeowner's exemption	$515,018 (+4.04%) Land $229,464 Building $285,554
2023	$5,705.00 (+1.89%) Homeowner's exemption	$495,020 Land $220,554 Building $274,466	$1,049,130
2022	$5,599.00

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 060871220021, 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 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	Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 2 claims

Wildfire

Wildfire Risk	Moderate above 56% of the US · lower than 67% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation at the parcel

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 · sampled at 83 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Cruzio Internet.

Cell Coverage

4G LTE only, no 5G reported

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	CENTRAL WATER DISTRICT serves 2,726 people
Water Source	Groundwater
Last State Inspection	Sep 2022
Lead	Under 1 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.