505 Cuesta Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 505 Cuesta Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,088 sqft · built 1975
Lot Size	0.279 acres (12,153 sqft)
Owner	2 Individual Names on File
Last Sale	$1,100,000 (Apr 2019)
Tax Bill	$11,238 (2025)
Deeds & Mortgages	Aug 2018 Mortgage Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`044-251-12`

Property Details

APN / Parcel Number

Primary APN	`044-251-12`
Alternative APN	`044-251-12-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,088 sqft Living Area
Gross Area	2,528 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Contemporary
Exterior Material	Brick
Construction Type	Wood
Roof Material	Tile
Lot Area	12,153 sqft (0.279 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	505 CUESTA DR
City	APTOS
State	CA
Zip	95003-5503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10
Legal Subdivision	RIO DEL MAR CNTRY 11 TR 11
Legal Block	108
Legal Lot Number	27
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1007
Census Tract	122202

Owner

505 Cuesta Dr is owned and occupied by two individuals who bought it in April 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	505 CUESTA DR, APTOS, CA 95003-5503
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2018	Deed of Trust, Mortgage · Commercial Mortgage SANTA CRUZ COUNTY BANK
Oct 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 5, 2019	Deed of Trust, Mortgage · Line of Credit CONNEXUS CU
Apr 5, 2019	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 5, 2019 · Amount on File
Deed Sale	Apr 5, 2019 · Amount on File
Prior Sale	May 31, 2012 · Amount on File
Deed Document Number	20198663
Prior Transfer Date	Aug 11, 2005
Prior Transfer Doc	0000057582
Record Updated	Sep 20, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	505 CUESTA DR, APTOS, CA 95003-5503
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	STEWART TITLE OF CALIFORNIA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024829
Date	Aug 14, 2018
Instrument	2018-0024829

Lender

Name	SANTA CRUZ COUNTY BANK
Type	Bank
Address	SANTA CRUZ, CA 95061

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	505 CUESTA DR, APTOS, CA 95003-5503
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	505 CUESTA DR, APTOS, CA 95003-5503

Mortgage

Document Number	0000045267
Date	Oct 30, 2020
Instrument	2020-0045267

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2040

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	505 CUESTA DR, APTOS, CA 95003-5503
Document Number	0000033950
Instrument Date	Sep 5, 2019
Transaction Type	Mortgage
Record Updated	Nov 14, 2019
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	505 CUESTA DR APTOS CA 950035503, APTOS, CA 95003-5503

Mortgage

Document Number	0000033950
Date	Nov 1, 2019
Instrument	33950

Lender

Name	CONNEXUS CU
Type	Credit Union
Address	WAUSAU, WI 54402-8026

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 31, 2049

Interest

Rate Type	Adjustable Rate

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 5, 2019
Property Address	505 CUESTA DR, APTOS, CA 95003-5503
Document Number	0000008663
Map Reference	MB 26 PG 15
Instrument Date	Apr 2, 2019
Instrument	2019-0008663
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
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	505 CUESTA DR, APTOS, CA 95003-5503

Mortgage

Document Number	0000008664
Date	Apr 5, 2019
Instrument	2019-0008664

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	May 1, 2039

Tax Assessment & Valuation

The 2025 property tax bill for 505 Cuesta Dr was $11,238 with a homeowner's exemption.

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		$875,894 (+2%) Land $632,646 Building $243,248
2025	$11,238.00 Homeowner's exemption	$858,720 Land $620,241 Building $238,479
2023	$10,191.00 (+2.26%) Homeowner's exemption	$825,374 Land $596,156 Building $229,218	$1,375,560
2022	$9,966.00

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

Flood

FEMA maps place 505 Cuesta Dr in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1982.

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	4 in force
Nearby Flood Claims	6 (1982–2016)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Mar 2016 · rainfall accumulation

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 505 Cuesta 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

Nearby Properties on Cuesta Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures