455 Monterey Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 455 Monterey Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,802 sqft · built 1973
Lot Size	0.128 acres (5,576 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,265,000 (Jul 2021)
Tax Bill	$16,786 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Nov 2020 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`044-132-26`

Property Details

APN / Parcel Number

Primary APN	`044-132-26`
Alternative APN	`044-132-26-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,802 sqft Living Area
Gross Area	2,282 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 2000
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	5,576 sqft (0.128 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Deck Area	510 sqft
Patio Area	510 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	455 MONTEREY DR
City	APTOS
State	CA
Zip	95003-4809
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-5
Legal Subdivision	DEER PARK VILLA SITES 01
Legal Lot Number	61
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1002
Census Tract	122202

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	14632 GOLF LINKS DR, LOS GATOS, CA 95032-1710
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2021	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Nov 5, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2021 · Amount on Record
Deed Sale	Jul 23, 2021 · Amount on Record
Prior Sale	May 8, 2007 · Amount on Record
Deed Document Number	202139109
Record Updated	Sep 20, 2026

July 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 23, 2021
Property Address	455 MONTEREY DR, APTOS, CA 95003-4809
Document Number	0000039109
Map Reference	MB 16 PG 48
Instrument Date	Jul 19, 2021
Instrument	2021-0039109
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,391.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	14632 GOLF LINKS DR, LOS GATOS, CA 95032-1710

Mortgage

Document Number	0000039110
Date	Jul 23, 2021
Instrument	2021-0039110

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	455 MONTEREY DR, APTOS, CA 95003-4809
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SANTA CRUZ LAND TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	455 MONTEREY DR, APTOS, CA 95003-4809

Mortgage

Document Number	0000046218
Date	Nov 5, 2020
Instrument	2020-0046218

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	PHILADELPHIA, PA 19104

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2035

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		$1,369,277 (+2%) Land $958,494 Building $410,783
2025	$16,786.00 (+9.73%)	$1,342,428 (+4.04%) Land $939,700 Building $402,728
2023	$15,298.00 (+2.07%)	$1,290,300 Land $903,210 Building $387,090	$1,233,450
2022	$14,988.00

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	4 in force
Nearby Flood Claims	6 (1982–2016)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Mar 2016 · rainfall accumulation

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	0.02% 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 511 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Surfnet Communications Fixed Wireless	100 / 20

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

Cell Coverage

5G (outdoors only) and 4G LTE

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