456 Monterey Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 456 Monterey Dr, Aptos, CA 95003 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,456 sqft · built 1963
Lot Size	0.108 acres (4,704 sqft)
Owner	Individual Name on File
Last Sale	$715,000 (Mar 2017)
Tax Bill	$10,911 (2025)
Deeds & Mortgages	Mar 2023 Transfer Mar 2023 Transfer + 5 more
Flood Zone	Zone X (minimal risk)
APN	`044-351-05`

Property Details

APN / Parcel Number

Primary APN	`044-351-05`
Alternative APN	`044-351-05-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,456 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Construction Type	Wood
Roof Material	Other
Lot Area	4,704 sqft (0.108 acres)
Terrain	Steep
Garage Type	Carport
Garage Area	342 sqft
Carport	Carport
Carport Area	342 sqft
Parking Spaces	1 Parking Space
Deck Area	160 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	456 MONTEREY DR
City	APTOS
State	CA
Zip	95003-4810
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	APTOS BEACH CC SUB #1
Legal Lot Number	27
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1001
Census Tract	122202

Owner

Source: Santa Cruz County records · APN 044-351-05

Assessment roll updated August 19, 2026 · Last verified August 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 File
Mailing Address	456 MONTEREY DR, APTOS, CA 95003-4810
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2023	Intrafamily Transfer, Transfer
Mar 13, 2023	Intrafamily Transfer, Transfer
Jan 27, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage CENTRAL COAST LENDING INC
Jan 27, 2021	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Apr 07, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jan 13, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 17, 2017	Grant Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 17, 2017 · Amount on Record
Deed Sale	Mar 17, 2017 · Amount on Record
Prior Sale	May 07, 2014 · Amount on Record
Deed Document Number	20179236
Last Transfer Date	Mar 09, 2023
Transfer Doc	0000004188
Record Updated	Sep 20, 2026

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 13, 2023
Property Address	456 MONTEREY DR, APTOS, CA 95003-4810
Document Number	0000004188
Map Reference	VOL 437 PG 116
Instrument Date	Mar 09, 2023
Instrument	2023-0004188
Transaction Type	Transfer
Record Updated	Mar 29, 2023

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	Tenants in Severalty
Address	456 MONTEREY DR, APTOS, CA 95003-4810

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 13, 2023
Property Address	456 MONTEREY DR, APTOS, CA 95003-4810
Document Number	0000004189
Map Reference	MB 23 PG I
Instrument Date	Mar 09, 2023
Instrument	2023-0004189
Transaction Type	Transfer
Record Updated	Jun 07, 2023

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
Address	456 MONTEREY DR, APTOS, CA 95003-4810

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 27, 2021
Property Address	456 MONTEREY DR, APTOS, CA 95003-4810
Document Number	0000004594
Map Reference	MB 23 PG I
Instrument Date	Jan 11, 2021
Instrument	2021-0004594
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE CO EPN

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	Joint Tenants
Address	456 MONTEREY DR, APTOS, CA 95003-4810

Mortgage

Document Number	0000004595
Date	Jan 27, 2021
Instrument	2021-0004595

Lender

Name	CENTRAL COAST LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2051

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 27, 2021
Property Address	456 MONTEREY DR, APTOS, CA 95003-4810
Document Number	0000004596
Instrument Date	Jan 11, 2021
Instrument	4596
Transaction Type	Transfer
Record Updated	Feb 11, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	456 MONTEREY DR APTOS CA 950034810, APTOS, CA 95003-4810

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 07, 2020
Property Address	456 MONTEREY DR, APTOS, CA 95003-4810
Document Number	0000011931
Instrument Date	Mar 31, 2020
Instrument	11931
Transaction Type	Transfer
Record Updated	May 06, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	456 MONTEREY DR APTOS CA 950034810, APTOS, CA 95003-4810

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 13, 2020
Property Address	456 MONTEREY DR, APTOS, CA 95003-4810
Document Number	0000001235
Instrument Date	Dec 13, 2019
Instrument	1235
Transaction Type	Transfer
Record Updated	Feb 03, 2020
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	Tenants in Common
Address	456 MONTEREY DR APTOS CA 950034810, APTOS, CA 95003-4810

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 17, 2017
Property Address	456 MONTEREY DR, APTOS, CA 95003-4810
Document Number	0000009236
Map Reference	MB23 PG1
Instrument Date	Mar 01, 2017
Instrument	2017-0009236
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	Joint Tenants
Address	456 MONTEREY DR, APTOS, CA 95003-4810

Mortgage

Document Number	0000009237
Date	Mar 17, 2017
Instrument	2017-0009237

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2047

Tax Assessment & Valuation

Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$846,416 (+2%) Land $621,494 Building $224,922
2025	$10,911.00 (+10.16%) Homeowner's exemption	$829,819 (+4.04%) Land $609,308 Building $220,511
2023	$9,905.00 (+1.63%) Homeowner's exemption	$797,596 Land $585,648 Building $211,948	$868,590
2022	$9,746.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060871222021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
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

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 511 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	1,200 / 35
Surfnet Communications	Fixed Wireless	100 / 20

May also be available at this address: Verizon, Etheric Communications, LLC., Cruzio Internet. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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