503 Gertrude Ave, Aptos, CA 95003 Property Records

Santa Cruz County property record for 503 Gertrude Ave, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,088 sqft · built 1977
Lot Size	0.063 acres (2,744 sqft)
Owner	2 Individual Names on Record
Last Sale	$730,000 (Feb 2018)
Tax Bill	$10,920 (2025)
Deeds & Mortgages	Oct 2023 Second Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`038-073-36`

Property Details

APN / Parcel Number

Primary APN	`038-073-36`
Alternative APN	`038-073-36-000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,088 sqft Living Area
Gross Area	1,430 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	2,744 sqft (0.063 acres)
Garage Type	Attached
Garage Area	342 sqft
Parking Spaces	1 Parking Space
Deck Area	88 sqft
Patio Area	88 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	503 GERTRUDE AVE
City	APTOS
State	CA
Zip	95003-3704
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-2.5
Legal Subdivision	MAR VISTA
Legal Block	C
Legal Lot Number	17
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1010
Census Tract	122100

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	503 GERTRUDE AVE, APTOS, CA 95003-3704
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SANTA CLARA COUNTY FCU
Mar 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage NEAT CAPITAL INC
Oct 28, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SANTA CLARA COUNTY FCU
Feb 5, 2018	Grant Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 5, 2018 · Amount on Record
Deed Sale	Feb 5, 2018 · Amount on Record
Prior Sale	Dec 6, 2013 · Amount on Record
Deed Document Number	20183562
Prior Transfer Date	Jan 12, 2015
Prior Transfer Doc	0000002157
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	503 GERTRUDE AVE, APTOS, CA 95003-3704
Transaction Type	Mortgage
Record Updated	Nov 8, 2023
Title Company	CHICAGO TITLE PIRT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	503 GERTRUDE AVE, APTOS, CA 95003-3704

Mortgage

Document Number	0000020529
Date	Oct 25, 2023
Instrument	2023-0020529

Lender

Name	SANTA CLARA COUNTY FCU
Type	Credit Union
Address	SAN JOSE, CA 95103

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 22, 2033

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	503 GERTRUDE AVE, APTOS, CA 95003-3704
Transaction Type	Mortgage
Record Updated	Mar 17, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	503 GERTRUDE AVE, APTOS, CA 95003-3704

Mortgage

Document Number	0000013183
Date	Mar 4, 2021
Instrument	2021-0013183

Lender

Name	NEAT CAPITAL INC
Type	Non-Lending Institution
Address	BOULDER, CO 80301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	503 GERTRUDE AVE, APTOS, CA 95003-3704
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033170
Date	Oct 28, 2019
Instrument	2019-0033170

Lender

Name	SANTA CLARA COUNTY FCU
Type	Credit Union
Address	SAN JOSE, CA 95112

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Nov 1, 2029

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 5, 2018
Property Address	503 GERTRUDE AVE, APTOS, CA 95003-3704
Document Number	0000003562
Map Reference	MB 25 PG 20
Instrument Date	Jan 31, 2018
Instrument	2018-0003562
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY S

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 with Right of Survivorship
Address	503 GERTRUDE AVE, APTOS, CA 95003-3704

Mortgage

Document Number	0000003563
Date	Feb 5, 2018
Instrument	2018-0003563

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 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		$847,227 (+2%) Land $593,059 Building $254,168
2025	$10,920.00 (+10.34%) Homeowner's exemption	$830,616 (+4.04%) Land $581,431 Building $249,185
2023	$9,897.00 (+2.27%) Homeowner's exemption	$798,362 Land $558,853 Building $239,509	$748,350
2022	$9,677.00

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
Flood Insurance Cost	Premium on Record median of 23 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	12 (1982–2023)
Claims Outside the SFHA	1 of 12
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 6 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 3 claims

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	0.01% 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 561 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
Starlink Satellite	280 / 30
Etheric Networks Fixed Wireless	250 / 100

May also be available: Cruzio, Surfnet Communications, Verizon.

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