444 Monterey Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 444 Monterey Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,738 sqft · built 1966
Lot Size	0.114 acres (4,966 sqft)
Owner	2 Individual Names on File
Last Sale	$456,000 (Jul 2001)
Tax Bill	$10,742 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`044-122-20`

Property Details

APN / Parcel Number

Primary APN	`044-122-20`
Alternative APN	`044-122-20-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	1,738 sqft Living Area
Gross Area	1,961 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Construction Type	Wood
Roof Material	Other
Lot Area	4,966 sqft (0.114 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	223 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Deck Area	450 sqft
Patio Area	450 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	444 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 BEACH CC PROPS 01
Legal Block	1
Legal Lot Number	21
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1001
Census Tract	122202

Owner

444 Monterey Dr is owned and occupied by two individuals who acquired it in June 2024.

Source: Santa Cruz County records, as of August 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	444 MONTEREY DR, APTOS, CA 95003-4810
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE HOME MORTGAGE LLC
Apr 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2001 · Amount on File
Deed Sale	Jul 27, 2001 · Amount on File
Prior Sale	Nov 22, 1995 · Amount on File
Deed Document Number	200146545
Last Transfer Date	Jun 28, 2024
Transfer Doc	0000012291
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	444 MONTEREY DR, APTOS, CA 95003-4810
Transaction Type	Mortgage
Record Updated	Mar 3, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	444 MONTEREY DR, APTOS, CA 95003-4810

Mortgage

Document Number	0000010347
Date	Feb 18, 2021
Instrument	2021-0010347

Lender

Name	COMMERCE HOME MORTGAGE LLC
Type	Mortgage Company
Address	IRVINE, CA 92606

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	444 MONTEREY DR, APTOS, CA 95003-4810
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMAPNY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011804
Date	Apr 6, 2020
Instrument	2020-0011804

Lender

Name	COMMERCE HOME MORTGAGE LLC
Type	Mortgage Company
Address	IRVINE, CA 92606

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 444 Monterey Dr was $10,742.

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		$831,147 (+2%) Land $412,276 Building $418,871
2025	$10,742.00 Homeowner's exemption	$814,850 Land $404,192 Building $410,658
2023	$9,734.00 (+2.28%) Homeowner's exemption	$783,209 Land $388,497 Building $394,712	$1,002,870
2022	$9,517.00

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

Flood

FEMA maps place 444 Monterey Dr in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1982.

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

Wildfire risk around 444 Monterey Dr is low, with a 0.02% annual chance of 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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