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448 Sumner Ave, Aptos, CA 95003 Property Records

Santa Cruz County property record for 448 Sumner Ave, Aptos, CA 95003 · Last verified August 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2.5 Baths
Year BuiltBuilt 2005
Square Footage2,269 sqft Living Area
Lot Size10,846 sqft (0.249 acres)
OccupancyOwner Occupied
Last Sale$1,049,000 (2019)
Tax Bill$15,090.00 (2025)

Property Details

APN / Parcel Number

Primary APN044-073-18
Alternative APN
  • 044-073-18-000

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Partial Baths1 Partial Baths
Total Rooms6 Rooms
Building Area2,269 sqft Living Area
Gross Area2,796 sqft Gross Area
Stories2 Stories
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 1991
Effective Year BuiltEffective 2005
Architectural StyleContemporary Style
Exterior MaterialWood Exterior
Construction TypeWood Construction
Roof MaterialComposition Shingle Roof
Lot Area10,846 sqft (0.249 acres)
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area527 sqft Garage
Deck Area461 sqft Deck
Patio Area461 sqft Patio

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemCentral Heating
SewageMunicipal Sewage
Water SourceCommercial Water Source

Location & Zoning

Street Address448 SUMNER AVE
CityAPTOS
StateCA
Zip95003-5215
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal SubdivisionAPTOS BCH CLB PROPS 01
Legal Lot Number21
JurisdictionSANTA CRUZ CA
Minor Civil DivisionSANTA CRUZ
Census Blockgroup2
Census Block2000
Census Tract122205

Owner

Source: Santa Cruz County records · APN 044-073-18

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 Address448 SUMNER AVE, APTOS, CA 95003-5215
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
May 10, 2021Deed of Trust, Mortgage · Conventional Mortgage
FLAGSTAR BANK FSB
May 10, 2021Deed of Trust, Mortgage · Line of Credit
FLAGSTAR BANK FSB
Jul 28, 2017Deed of Trust, Mortgage · Adjustable Rate Mortgage (ARM)
WELLS FARGO BANK NA
Aug 05, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY
Aug 05, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY
Jun 07, 2019Grant Deed, Transfer
EXCELERATE CAP

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJun 07, 2019 · Amount on Record
Deed SaleJun 07, 2019 · Amount on Record
Prior SaleJun 08, 2015 · Amount on Record
Deed Doc Number201915590
Last Transfer DateJul 23, 2020
Transfer Doc0000029579
Record RefreshedSep 20, 2026

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address448 SUMNER AVE, APTOS, CA 95003-5215
Transaction TypeMortgage
Record UpdatedMay 27, 2021
Title CompanyOLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
Address448 SUMNER AVE, APTOS, CA 95003-5215

Mortgage

Document Number0000026598
DateMay 10, 2021
Instrument2021-0026598
Lender
NameFLAGSTAR BANK FSB
TypeBank
AddressTROY, MI 48098
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2051

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address448 SUMNER AVE, APTOS, CA 95003-5215
Transaction TypeMortgage
Record UpdatedMay 27, 2021
Title CompanyOLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
Address448 SUMNER AVE, APTOS, CA 95003-5215

Mortgage

Document Number0000026599
DateMay 10, 2021
Instrument2021-0026599
Lender
NameFLAGSTAR BANK FSB
TypeBank
AddressTROY, MI 48098
Agreement
TypeLine of Credit
AmountAmount Recorded
Term361 Months
DueJun 01, 2051
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

July 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address448 SUMNER AVE, APTOS, CA 95003-5215
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyCHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000024938
DateJul 28, 2017
Instrument2017-0024938
Lender
NameWELLS FARGO BANK NA
TypeBank
AddressSIOUX FALLS, SD 57104
Agreement
TypeAdjustable Rate Mortgage (ARM)
AmountAmount Recorded
Term361 Months
DueAug 01, 2047
Interest
Rate TypeAdjustable Rate
Rate3.12%
AdjustableDocument includes a rider for adjustable-rate mortgage with a specific rate change date.
Type Change DateAug 01, 2024
Change FrequencyAnnually
Min Rate At Change2.25%
Max Rate At Change5.12%
Index1-Year LIBOR
Max Rate8.12%

August 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSANTA CRUZ CA
Recording DateAug 05, 2020
Property Address448 SUMNER AVE, APTOS, CA 95003-5215
Document Number0000029579
Instrument DateJul 23, 2020
Instrument29579
Transaction TypeTransfer
Record UpdatedAug 19, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim Document
  • Interfamily Transfer
  • Partial Interest

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address448 SUMNER AVE APTOS CA 950035215, APTOS, CA 95003-5215

August 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSANTA CRUZ CA
Recording DateAug 05, 2020
Property Address448 SUMNER AVE, APTOS, CA 95003-5215
Document Number0000029580
Instrument DateJul 16, 2020
Instrument29580
Transaction TypeTransfer
Record UpdatedAug 19, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim Document
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address448 SUMNER AVE APTOS CA 950035215, APTOS, CA 95003-5215

June 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSANTA CRUZ CA
Recording DateJun 07, 2019
Property Address448 SUMNER AVE, APTOS, CA 95003-5215
Document Number0000015590
Instrument DateMay 20, 2019
Instrument15590
Transaction TypeTransfer
Record UpdatedJun 20, 2019
Title CompanyOLD REPUBLIC TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,153.90
Amount AccuracyFull Value
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants In Common
Address448 SUMNER AVE APTOS CA 950035215, APTOS, CA 95003-5215

Mortgage

Document Number15591
DateJun 07, 2019
Instrument15591
Lender
NameEXCELERATE CAP
AddressNEWPORT BEACH, CA 92660
Agreement
AmountAmount Recorded
Term360 Months
DueJun 06, 2049
Interest
Rate TypeAdjustable Rate
Rate5.65%

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$1,223,386 (+2%) Land $753,043 Building $470,343
2025$15,090.00 (+9.87%) Homeowner's exemption$1,199,399 (+4.04%) Land $738,278 Building $461,121
2023$13,735.00 (+2.12%) Homeowner's exemption$1,152,824 Land $709,609 Building $443,215$1,160,370
2022$13,450.00

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