450 Saint Andrews Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 450 Saint Andrews Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,454 sqft · built 1963
Lot Size	0.349 acres (15,202 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,830,000 (Nov 2024)
Tax Bill	$22,303 (2025)
Deeds & Mortgages	Mar 2024 Transfer Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`053-042-10`

Property Details

APN / Parcel Number

Primary APN	`053-042-10`
Alternative APN	`053-042-10-000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	2,454 sqft Living Area
Gross Area	2,979 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 2015
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	15,202 sqft (0.349 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	525 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	450 SAINT ANDREWS DR
City	APTOS
State	CA
Zip	95003-5421
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10
Legal Description	TR 321
Legal Subdivision	COUNTRY CLUB PARK UN 08 TR 321
Legal Tract	321
Legal Lot Number	159
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1011
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	2 Individual Names on Record
Mailing Address	450 SAINT ANDREWS DR, APTOS, CA 95003-5421
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2024	Intrafamily Transfer, Transfer
Aug 11, 2017	Grant Deed, Transfer · ARM FIRST REPUBLIC BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2024 · Amount on Record
Deed Sale	Nov 15, 2024 · Amount on Record
Prior Sale	Mar 1, 2024 · Amount on Record
Deed Document Number	202422762
Prior Transfer Date	May 8, 2012
Prior Transfer Doc	0000024873
Record Updated	Sep 20, 2026

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 1, 2024
Property Address	450 SAINT ANDREWS DR, APTOS, CA 95003-5421
Document Number	0000003866
Map Reference	VOL 1419 PG 95
Instrument Date	Jan 1, 2022
Instrument	2024-0003866
Transaction Type	Transfer
Record Updated	Mar 12, 2024

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	Community Property with Right of Survivorship
Address	450 SAINT ANDREWS DR, APTOS, CA 95003-5421

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 11, 2017
Property Address	450 SAINT ANDREWS DR, APTOS, CA 95003-5421
Document Number	0000026521
Map Reference	MB37 PG66
Instrument Date	Aug 3, 2017
Instrument	2017-0026521
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	1598 FRONTERO AVE, LOS ALTOS, CA 94024-5916
Investor	Possibly a Property Investor

Mortgage

Document Number	0000026522
Date	Aug 11, 2017
Instrument	2017-0026522

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.85%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2024
Change Frequency	Monthly
Min Rate At Change	2.5%
Index	1-Month LIBOR
Max Rate	9.95%

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		$1,866,600 (+2%) Land $1,399,950 Building $466,650
2025	$22,303.00 (+35.26%)	$1,830,000 (+30.73%) Land $1,372,500 Building $457,500
2023	$16,489.00 (+2.05%)	$1,399,867 Land $839,920 Building $559,947	$1,552,230
2022	$16,158.00

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 444 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Cruzio, Etheric Networks, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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