445 Los Altos Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 445 Los Altos Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,217 sqft · built 1959
Lot Size	0.148 acres (6,447 sqft)
Owner	Trust Name on Record
Last Sale	$1,400,000 (May 2024)
Tax Bill	$17,753 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`044-115-12`

Property Details

APN / Parcel Number

Primary APN	`044-115-12`
Alternative APN	`044-115-12-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,217 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1999
Architectural Style	Ranch
Construction Type	Wood
Roof Material	Other
Lot Area	6,447 sqft (0.148 acres)
Terrain	Steep
Garage Type	Carport
Garage Area	172 sqft
Carport	Carport
Carport Area	172 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	539 sqft
Patio Area	539 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	445 LOS ALTOS DR
City	APTOS
State	CA
Zip	95003-5225
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-5
Legal Description	BLK 00000 LOT 000024 MAP 000023 00001
Legal Subdivision	APTOS BEACH CC CLUB PROPS 01
Legal Lot Number	24
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1003
Census Tract	122203

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	Trust Name on Record
Mailing Address	445 LOS ALTOS DR, APTOS, CA 95003-5225
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
May 7, 2021	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Jul 27, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 30, 2024 · Amount on Record
Deed Sale	May 30, 2024 · Amount on Record
Prior Sale	May 7, 2021 · Amount on Record
Deed Document Number	202410189
Prior Transfer Date	Jul 21, 2020
Prior Transfer Doc	0000027763
Record Updated	Sep 20, 2026

May 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 7, 2021
Property Address	445 LOS ALTOS DR, APTOS, CA 95003-5225
Document Number	0000026248
Map Reference	MB 23 PG 1
Instrument Date	Apr 25, 2021
Instrument	2021-0026248
Transaction Type	Transfer
Record Updated	May 19, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,375.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	7318 GLENVIEW DR, SAN JOSE, CA 95120-5806

Mortgage

Document Number	0000026249
Date	May 7, 2021
Instrument	2021-0026249

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

July 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 27, 2020
Property Address	445 LOS ALTOS DR, APTOS, CA 95003-5225
Document Number	0000027763
Map Reference	MB 23 PG 1
Instrument Date	Jul 21, 2020
Instrument	2020-0027763
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	445 LOS ALTOS DR, APTOS, CA 95003-5225

Mortgage

Document Number	0000027764
Date	Jul 27, 2020
Instrument	2020-0027764

Lender

Name	US BANK NA
Type	Bank

Agreement

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

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		$1,456,560 (+2%) Land $1,092,420 Building $364,140
2025	$17,753.00 (+15.21%)	$1,428,000 (+9.8%) Land $1,071,000 Building $357,000
2023	$15,409.00 (+2.07%)	$1,300,500 Land $975,375 Building $325,125	$1,235,610
2022	$15,097.00

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	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.

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	0.01% 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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