455 Granite Way, Aptos, CA 95003 Property Records

Santa Cruz County property record for 455 Granite Way, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,520 sqft · built 2017
Lot Size	0.147 acres (6,390 sqft)
Owner	Individual Name on Record
Tax Bill	$7,463 (2025)
Deeds & Mortgages	Apr 2021 Mortgage May 2019 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`040-213-28`

Property Details

APN / Parcel Number

Primary APN	`040-213-28`
Alternative APN	`040-213-28-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	2,520 sqft Living Area
Gross Area	3,020 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,390 sqft (0.147 acres)
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Deck Area	500 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	453 GRANITE WAY
City	APTOS
State	CA
Zip	95003
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1016
Census Tract	122002

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	Individual Name on Record
Mailing Address	9047 SOQUEL DR, APTOS, CA 95003-4001
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
May 31, 2019	Deed of Trust, Mortgage · ARM US BANK NA
Jan 16, 2019	Deed of Trust, Mortgage · ARM US BANK NA
Sep 27, 2019	Deed of Trust, Mortgage · ARM US BANK NA
Oct 10, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Oct 4, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Jan 10, 2018	Deed of Trust, Mortgage OPES ADVISORS

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 8, 2018
Transfer Doc	0000030682
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	455 GRANITE WAY, APTOS, CA 95003-3937
Transaction Type	Mortgage
Record Updated	Apr 28, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	455 GRANITE WAY, APTOS, CA 95003-3937

Mortgage

Document Number	0000020968
Date	Apr 12, 2021
Instrument	2021-0020968

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

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

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	455 GRANITE WAY, APTOS, CA 95003-3937
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014698
Date	May 31, 2019
Instrument	2019-0014698

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Jun 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.75%
Index	1-Year LIBOR
Max Rate	8.75%

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	455 GRANITE WAY, APTOS, CA 95003-3937
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001327
Date	Jan 16, 2019
Instrument	2019-0001327

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Feb 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.87%
Index	1-Year CMT
Max Rate	8.87%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	455 GRANITE WAY, APTOS, CA 95003-3937
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029390
Date	Sep 27, 2019
Instrument	2019-0029390

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Oct 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.37%
Index	1-Year CMT
Max Rate	8.37%

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 10, 2018
Property Address	455 GRANITE WAY, APTOS, CA 95003-3937
Document Number	0000030682
Instrument Date	Oct 8, 2018
Instrument	30682
Transaction Type	Transfer
Record Updated	Oct 29, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	455 GRANITE WAY APTOS CA 950033937, APTOS, CA 95003-3937

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 4, 2018
Property Address	455 GRANITE WAY, APTOS, CA 95003-3937
Document Number	0000030205
Instrument Date	Sep 10, 2018
Instrument	30205
Transaction Type	Transfer
Record Updated	Oct 22, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	455 GRANITE WAY APTOS CA 950033937, APTOS, CA 95003-3937

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	455 GRANITE WAY, APTOS, CA 95003-3937
Document Number	0000001666
Instrument Date	Jan 10, 2018
Transaction Type	Mortgage
Record Updated	Feb 1, 2018
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	7131 VIEWPOINT RD APTOS CA 950033315, APTOS, CA 95003-3315

Mortgage

Document Number	0000001666
Date	Jan 18, 2018
Instrument	1666

Lender

Name	OPES ADVISORS
Address	TROY, MI 48098

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 17, 2048

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		$529,207 (+2%) Land $150,740 Building $378,467
2025	$7,463.00 (+11.34%)	$518,830 (+4.04%) Land $147,784 Building $371,046
2023	$6,703.00 (+2.52%)	$498,684 Land $142,046 Building $356,638	$781,110
2022	$6,538.00

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	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

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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