450 Granite Way, Aptos, CA 95003 Property Records

Santa Cruz County property record for 450 Granite Way, Aptos, CA 95003

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,996 sqft · built 2018
Lot Size	0.041 acres (1,777 sqft)
Owner	2 Trust Names on File
Last Sale	$895,000 (Sep 2019)
Tax Bill	$12,426 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`041-781-11`

Property Details

APN / Parcel Number

Primary APN	`041-781-11`
Alternative APN	`041-781-11-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,996 sqft Living Area
Gross Area	2,272 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Townhouse
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	1,777 sqft (0.041 acres)
Garage Type	Attached
Garage Area	276 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	450 GRANITE WAY
City	APTOS
State	CA
Zip	95003-4092
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Subdivision	MAP OF TRACT NUMBER 1561
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1016
Census Tract	122002

Owner

450 Granite Way, a townhouse, is owner-occupied and held in a trust since September 2019.

Source: Santa Cruz County records, as of October 13, 2026

Owner of Record	2 Trust Names on File
Mailing Address	450 GRANITE WAY, APTOS, CA 95003-4092
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Family Trust

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
Nov 13, 2025	Deed of Trust, Mortgage · Line of Credit HOMETRUST BANK
Oct 22, 2019	Deed of Trust, Mortgage · Commercial Mortgage COMERICA BANK
Sep 4, 2019	Grant Deed, Transfer · Conventional Mortgage ON Q FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2019 · Amount on File
Deed Sale	Sep 4, 2019 · Amount on File
Deed Document Number	201926145
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	450 GRANITE WAY, APTOS, CA 95003-4092
Transaction Type	Mortgage
Record Updated	Nov 27, 2025
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2943 RIVERWALK LOOP, EUGENE, OR 97401-1504

Mortgage

Document Number	0000024382
Date	Nov 13, 2025
Instrument	2025-0024382

Lender

Name	HOMETRUST BANK
Type	Bank
Address	ASHEVILLE, NC 28801

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	450 GRANITE WAY, APTOS, CA 95003-4092
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032615
Date	Oct 22, 2019
Instrument	2019-0032615

Lender

Name	COMERICA BANK
Type	Bank
Address	DALLAS, TX 75201

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 4, 2019
Property Address	450 GRANITE WAY, APTOS, CA 95003-4092
Document Number	0000026145
Map Reference	VOL 124 PG 18
Instrument Date	Aug 27, 2019
Instrument	2019-0026145
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	450 GRANITE WAY, APTOS, CA 95003-4092

Mortgage

Document Number	0000026146
Date	Sep 4, 2019
Instrument	2019-0026146

Lender

Name	ON Q FINANCIAL INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 450 Granite Way was $12,426 with a homeowner's exemption.

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		$998,389 (+2%) Land $630,268 Building $368,121
2025	$12,426.00 Homeowner's exemption	$978,813 Land $617,910 Building $360,903
2023	$11,043.00 (+2.06%) Homeowner's exemption	$940,805 Land $593,916 Building $346,889	$826,020
2022	$10,820.00

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

Flood

FEMA maps place 450 Granite Way in Zone X, an area of minimal flood risk, though there have been 7 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	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

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 450 Granite Way is low, with a 0.03% 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	0.03% annual chance
Exposure	Indirect within 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 564 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Cruzio, Etheric Networks, Surfnet Communications.

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