479 McDonald Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 479 McDonald Rd, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,674 sqft · built 1974
Lot Size	0.326 acres (14,201 sqft)
Owner	2 Individual Names on Record
Last Sale	$743,000 (Jan 2018)
Tax Bill	$9,968 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`041-461-13`

Property Details

APN / Parcel Number

Primary APN	`041-461-13`
Alternative APN	`041-461-13-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,674 sqft Living Area
Gross Area	2,114 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Construction Type	Wood
Roof Material	Other
Lot Area	14,201 sqft (0.326 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Deck Area	184 sqft
Patio Area	184 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic

Location & Zoning

Street Address	479 MCDONALD RD
City	APTOS
State	CA
Zip	95003-9611
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Subdivision	APTOS RHO
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1001
Census Tract	122204

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	479 MCDONALD RD, APTOS, CA 95003-9611
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Jan 19, 2018	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 19, 2018 · Amount on Record
Deed Sale	Jan 19, 2018 · Amount on Record
Prior Sale	Dec 2, 2004 · Amount on Record
Deed Document Number	20181772
Prior Transfer Date	Jul 26, 1999
Prior Transfer Doc	0000052661
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	479 MCDONALD RD, APTOS, CA 95003-9611
Transaction Type	Mortgage
Record Updated	Apr 2, 2021
Title Company	AMROCK TITLE CA INC, AMROCK TITLE CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	479 MCDONALD RD, APTOS, CA 95003-9611

Mortgage

Document Number	0000015867
Date	Mar 18, 2021
Instrument	2021-0015867

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Dec 1, 2050

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 19, 2018
Property Address	479 MCDONALD RD, APTOS, CA 95003-9611
Document Number	0000001772
Instrument Date	Jan 10, 2018
Instrument	2018-0001772
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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
Address	479 MCDONALD RD, APTOS, CA 95003-9611

Mortgage

Document Number	0000001773
Date	Jan 19, 2018
Instrument	2018-0001773

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

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		$862,316 (+2%) Land $646,737 Building $215,579
2025	$9,968.00 (+9.68%) Homeowner's exemption	$845,407 (+4.04%) Land $634,055 Building $211,352
2023	$9,088.00 (+1.68%) Homeowner's exemption	$812,579 Land $609,434 Building $203,145	$833,490
2022	$8,938.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 62% of the US · lower than 77% of California
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Surfnet Communications Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

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

Cell Coverage

4G LTE only, no 5G reported

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