Santa Cruz County property record for 455 Light Springs Rd, Aptos, CA 95003
| Property Type | Commercial |
|---|---|
| Lot Size | 1.69 acres (73,704 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $2,935 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Feb 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 107-531-09 |
| Primary APN | 107-531-09 |
|---|---|
| Alternative APN |
|
| Lot Area | 73,704 sqft |
|---|---|
| Terrain | Steep |
| Garage Area | 864 sqft |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 455 LIGHT SPRINGS RD |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | SU |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 122002 |
455 Light Springs Rd, a commercial property, is held in a trust since September 2016.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 480 LIGHT SPRINGS RD, APTOS, CA 95003-9308 |
| 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.
| Date | Document |
|---|---|
| May 4, 2026 | Deed of Trust, Mortgage · Line of Credit GOLDEN 1 CREDIT UNION |
| Feb 10, 2022 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Sep 8, 2016 |
| Transfer Doc | 0000034148 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | May 4, 2026 |
| Property Address | 455 LIGHT SPRINGS RD, APTOS, CA 95003 |
| Document Number | 0000009947 |
| Instrument Date | Apr 27, 2026 |
| Instrument | 20269947 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | E-PLACER TITLE, PLACER TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust, 221 |
| Address | 480 LIGHT SPRINGS RD, APTOS, CA 95003-9308 |
| Investor | Possibly a Property Investor |
| Document Number | 0000009947, |
|---|---|
| Date | May 4, 2026 |
| Instrument | 20269947 |
| Name | GOLDEN 1 CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.13% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 455 LIGHT SPRINGS RD, APTOS, CA 95003 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2022 |
| Title Company | AMERICAN SW TITLE, AMERICAN COAST TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000004583 |
|---|---|
| Date | Feb 10, 2022 |
| Instrument | 2022-0004583 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
The 2025 property tax bill for 455 Light Springs Rd was $2,935.
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $229,866 (+2%) Land $131,352 Building $98,514 | |
| 2025 | $2,935.00 | $225,358 Land $128,776 Building $96,582 |
| 2023 | $2,634.00 (+5.57%) | $216,608 Land $123,776 Building $92,832 |
| 2022 | $2,495.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 455 Light Springs Rd 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 |
|
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 risk around 455 Light Springs Rd is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 64% of the US · lower than 60% of California |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CENTRAL WATER DISTRICT serves 2,726 people · EPA ID CA4410018 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2022 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 83 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
| Surfnet Communications Fixed Wireless | 100 / 20 |
May also be available: Cruzio.
5G and 4G LTE (outdoors only)
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