500 Saint Andrews Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 500 Saint Andrews Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,172 sqft · built 1974
Lot Size	0.213 acres (9,278 sqft)
Owner	2 Individual Names on File
Last Sale	$283,500 (Jun 2022)
Tax Bill	$12,700 (2025)
Deeds & Mortgages	Jun 2022 Transfer Mar 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`053-042-22`

Property Details

APN / Parcel Number

Primary APN	`053-042-22`
Alternative APN	`053-042-22-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,172 sqft Living Area
Gross Area	2,748 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	9,278 sqft (0.213 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	500 SAINT ANDREWS DR
City	APTOS
State	CA
Zip	95003-5423
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10
Legal Subdivision	COUNTRY CLUB PARK UN #15 TR #581
Legal Lot Number	351
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1011
Census Tract	122203

Owner

500 Saint Andrews Dr is owned and occupied by two individuals who bought it in June 2022.

Source: Santa Cruz County records, as of August 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	423 SAILFISH DR, APTOS, CA 95003-3759
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2022	Intrafamily Transfer, Transfer MORTGAGE CONNECT LP
Mar 23, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Jun 8, 2022	Intrafamily Transfer, Transfer MORTGAGE CONNECT LP
Jun 8, 2022	Grant Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Apr 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Nov 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE WEST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2022 · Amount on File
Deed Sale	Jun 8, 2022 · Amount on File
Deed Document Number	202217570
Prior Transfer Date	Feb 13, 2021
Prior Transfer Doc	0000017571
Record Updated	Sep 20, 2026

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 8, 2022
Property Address	500 SAINT ANDREWS DR, APTOS, CA 95003-5423
Document Number	0000017572
Map Reference	VOL 56 PG 32
Instrument Date	Feb 13, 2022
Instrument	2022-0017572
Transaction Type	Transfer
Record Updated	Jun 22, 2022
Title Company	MORTGAGE CONNECT LP

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	500 SAINT ANDREWS DR, APTOS, CA 95003-5423

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 23, 2022
Property Address	500 SAINT ANDREWS DR, APTOS, CA 95003-5423
Document Number	0000009553
Map Reference	VOL 56 PG 32
Instrument Date	Jan 31, 2022
Instrument	2022-0009553
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	AMERICAN COAST TITLE

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	Family Trust
Address	500 SAINT ANDREWS DR, APTOS, CA 95003-5423

Mortgage

Document Number	0000009554
Date	Mar 23, 2022
Instrument	2022-0009554

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 8, 2022
Property Address	500 SAINT ANDREWS DR, APTOS, CA 95003-5423
Document Number	0000017571
Map Reference	VOL 56 PG 32
Instrument Date	Feb 13, 2021
Instrument	2022-0017571
Transaction Type	Transfer
Record Updated	Jun 22, 2022
Title Company	MORTGAGE CONNECT LP

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	500 SAINT ANDREWS DR, APTOS, CA 95003-5423

June 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 8, 2022
Property Address	500 SAINT ANDREWS DR, APTOS, CA 95003-5423
Document Number	0000017570
Map Reference	VOL 56 PG 32
Instrument Date	Feb 13, 2021
Instrument	2022-0017570
Transaction Type	Transfer
Record Updated	Jun 22, 2022
Title Company	MORTGAGE CONNECT LP

Transaction

Amount	Amount on Record
Tax	$311.85
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	500 SAINT ANDREWS DR, APTOS, CA 95003-5423

Mortgage

Document Number	0000017573
Date	Jun 8, 2022
Instrument	2022-0017573

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	345 Months
Due	Mar 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	500 SAINT ANDREWS DR, APTOS, CA 95003-5423
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012623
Date	Apr 14, 2020
Instrument	2020-0012623

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	500 SAINT ANDREWS DR, APTOS, CA 95003-5423
Document Number	0000043113
Instrument Date	Nov 30, 2017
Transaction Type	Mortgage
Record Updated	Jan 24, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	500 SAINT ANDREWS DR APTOS CA 950035423, APTOS, CA 95003-5423

Mortgage

Document Number	0000043113
Date	Dec 20, 2017
Instrument	43113

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 19, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 500 Saint Andrews Dr was $12,700 with a homeowner's exemption, up 7.8% from the year before.

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		$1,007,371 (+2%) Land $788,058 Building $219,313
2025	$12,700.00 (+7.83%) Homeowner's exemption	$987,619 Land $772,606 Building $215,013
2024	$11,778.00 (+168.29%)
2023	$4,390.00 (+2.95%) Homeowner's exemption	$288,977 Land $117,389 Building $171,588	$2,120,670
2022	$4,264.00

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

Flood

FEMA maps place 500 Saint Andrews Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 500 Saint Andrews Dr is low, with a 0.01% annual chance of 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	0.01% 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 519 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
Verizon Fixed Wireless	300 / 20

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

Cell Coverage

5G (outdoors only) and 4G LTE

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