461 Saint Andrews Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 461 Saint Andrews Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,056 sqft · built 1963
Lot Size	0.272 acres (11,848 sqft)
Owner	2 Company Names on Record
Last Sale	$1,980,000 (Aug 2026)
Tax Bill	$14,871 (2025)
Deeds & Mortgages	Aug 2026 Sale Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`053-201-09`

Property Details

APN / Parcel Number

Primary APN	`053-201-09`
Alternative APNs	`053-201-09-000` `05304104000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,056 sqft Living Area
Gross Area	3,540 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1980
Architectural Style	Ranch
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	11,848 sqft (0.272 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Deck Area	1,196 sqft
Patio Area	1,196 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	461 SAINT ANDREWS DR
City	APTOS
State	CA
Zip	95003-5420
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10
Legal Subdivision	COUNTRY CLUB PARK
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1007
Census Tract	122203

Owner

Source: Santa Cruz County records, as of September 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	461 SAINT ANDREWS DR, APTOS, CA 95003-5420
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2026	Grant Deed, Transfer REPUBLIC TITLE COMPANY, OLD REPUBLIC TITLE COMPANY
Aug 23, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 9, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST
May 26, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2026 · Amount on Record
Deed Sale	Aug 21, 2026 · Amount on Record
Prior Sale	Sep 3, 2010 · Amount on Record
Deed Document Number	202618855
Prior Transfer Date	Jun 25, 1998
Prior Transfer Doc	0000037566
Record Updated	Oct 29, 2026

August 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 21, 2026
Property Address	461 SAINT ANDREWS DR, APTOS, CA 95003-5420
Document Number	0000018855
Instrument Date	Aug 20, 2026
Instrument	202618855
Transaction Type	Transfer
Record Updated	Sep 1, 2026
Title Company	REPUBLIC TITLE COMPANY, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$219,978.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	461 SAINT ANDREWS DR, APTOS, CA 95003-5420

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 23, 2021
Property Address	461 SAINT ANDREWS DR, APTOS, CA 95003-5420
Document Number	0000043709
Map Reference	MB 37 PG 66
Instrument Date	Aug 5, 2021
Instrument	2021-0043709
Transaction Type	Transfer
Record Updated	Sep 7, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

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 Common
Address	461 SAINT ANDREWS DR, APTOS, CA 95003-5420

Mortgage

Document Number	0000043710
Date	Aug 23, 2021
Instrument	2021-0043710

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	461 SAINT ANDREWS DR, APTOS, CA 95003-5420
Document Number	0000014423
Instrument Date	Apr 9, 2018
Transaction Type	Mortgage
Record Updated	Jun 1, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	461 SAINT ANDREWS DR APTOS CA 950035420, APTOS, CA 95003-5420

Mortgage

Document Number	0000014423
Date	May 14, 2018
Instrument	14423

Lender

Name	BANK OF THE WEST
Type	Bank
Address	SAN JOSE, CA 95112

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 13, 2048

Interest

Rate Type	Adjustable Rate

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	461 SAINT ANDREWS DR, APTOS, CA 95003-5420
Document Number	0000018344
Instrument Date	May 26, 2017
Transaction Type	Mortgage
Record Updated	Jun 20, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	461 SAINT ANDREWS DR APTOS CA 950035420, APTOS, CA 95003-5420

Mortgage

Document Number	0000018344
Date	Jun 5, 2017
Instrument	18344

Lender

Name	BANK OF THE WEST
Type	Bank
Address	SAN JOSE, CA 95123

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 4, 2047

Interest

Rate Type	Adjustable Rate

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		$1,196,108 (+2%) Land $653,402 Building $542,706
2025	$14,871.00 (+9.85%)	$1,172,656 (+4.04%) Land $640,590 Building $532,066
2023	$13,537.00 (+2.11%)	$1,127,118 Land $615,714 Building $511,404	$1,591,020
2022	$13,257.00

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	3 in force

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	Direct burnable vegetation

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 574 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: AT&T, Cruzio, Etheric Networks, Surfnet Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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