Santa Cruz County property record for 461 Monterey Dr, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,816 sqft · built 1962 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,325,000 (Mar 2021) |
| Tax Bill | $17,744 (2025) |
| Deeds & Mortgages | Oct 2022 Line of Credit Mar 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 044-132-23 |
| Primary APN | 044-132-23 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,816 sqft Living Area |
| Gross Area | 2,299 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 2004 |
| Construction Type | Wood |
| Roof Material | Wood Shingle |
| Lot Area | 6,098 sqft (0.14 acres) |
| Terrain | Steep |
| View / Lot | Ocean |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 461 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 |
| Legal Lot Number | 54 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 122202 |
Source: Santa Cruz County records · APN 044-132-23
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 | 461 MONTEREY DR, APTOS, CA 95003-4809 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 14, 2022 | Deed of Trust, Mortgage · Line of Credit MERIWEST CU |
| Mar 25, 2021 | Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 01, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 25, 2021 · Amount on Record |
| Deed Sale | Mar 25, 2021 · Amount on Record |
| Prior Sale | Apr 19, 2005 · Amount on Record |
| Deed Document Number | 202117438 |
| Prior Transfer Date | Oct 16, 2015 |
| Prior Transfer Doc | 0000042803 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 461 MONTEREY DR, APTOS, CA 95003-4809 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | PLACER TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 461 MONTEREY DR, APTOS, CA 95003-4809 |
| Document Number | 0000028389 |
|---|---|
| Date | Oct 14, 2022 |
| Instrument | 2022-0028389 |
| Name | MERIWEST CU |
|---|---|
| Type | Credit Union |
| Address | SAN JOSE, CA 95153 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Oct 07, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Mar 25, 2021 |
| Property Address | 461 MONTEREY DR, APTOS, CA 95003-4809 |
| Document Number | 0000017438 |
| Map Reference | MB 18 PG 48 |
| Instrument Date | Mar 20, 2021 |
| Instrument | 2021-0017438 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,457.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 461 MONTEREY DR, APTOS, CA 95003-4809 |
| Document Number | 0000017439 |
|---|---|
| Date | Mar 25, 2021 |
| Instrument | 2021-0017439 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 461 MONTEREY DR, APTOS, CA 95003-4809 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | CORNERSTONE TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000023622 |
|---|---|
| Date | Jul 01, 2020 |
| Instrument | 2020-0023622 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2050 |
Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
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 | $1,462,907 (+2%) Land $1,097,180 Building $365,727 | ||
| 2025 | $17,744.00 (+9.69%) Homeowner's exemption | $1,434,223 (+4.04%) Land $1,075,667 Building $358,556 | |
| 2023 | $16,177.00 (+2.06%) Homeowner's exemption | $1,378,531 Land $1,033,898 Building $344,633 | $1,282,320 |
| 2022 | $15,851.00 |
Source: FEMA National Flood Hazard Layer as of July 10, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 Internet, Etheric Communications, LLC., Verizon.
Based on FCC filings for 511 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SOQUEL CREEK WATER DISTRICT serves 40,962 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2023 |
| Lead | 2 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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