506 Harriet Ave, Aptos, CA 95003 Property Records

Santa Cruz County property record for 506 Harriet Ave, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,145 sqft · built 1978
Lot Size	0.063 acres (2,744 sqft)
Owner	2 Individual Names on File
Last Sale	$892,500 (Feb 2021)
Tax Bill	$12,447 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage May 2020 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`038-074-26`

Property Details

APN / Parcel Number

Primary APN	`038-074-26`
Alternative APN	`038-074-26-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	1,145 sqft Living Area
Gross Area	1,397 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2015
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	2,744 sqft (0.063 acres)
Garage Type	Attached
Garage Area	252 sqft
Parking Spaces	1 Parking Space
Deck Area	307 sqft
Patio Area	307 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	506 HARRIET AVE
City	APTOS
State	CA
Zip	95003-3706
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-2.5
Legal Subdivision	MAR VISTA
Legal Lot Number	13
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1011
Census Tract	122100

Owner

506 Harriet Ave is owned and occupied by two individuals who bought it in February 2021.

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	506 HARRIET AVE, APTOS, CA 95003-3706
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2021	Grant Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
May 20, 2020	Loan Modification, Mortgage · Conventional Mortgage MIDFIRST BK
May 13, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Sep 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 3, 2021 · Amount on File
Deed Sale	Feb 3, 2021 · Amount on File
Prior Sale	Jul 29, 2015 · Amount on File
Deed Document Number	20216485
Prior Transfer Date	Apr 8, 2016
Prior Transfer Doc	0000012805
Record Updated	Sep 20, 2026

February 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 3, 2021
Property Address	506 HARRIET AVE, APTOS, CA 95003-3706
Document Number	0000006485
Map Reference	MB 25 PG 20
Instrument Date	Jan 20, 2021
Instrument	2021-0006485
Transaction Type	Transfer
Record Updated	Aug 17, 2021
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	506 HARRIET AVE, APTOS, CA 95003-3706

Mortgage

Document Number	0000006486
Date	Feb 3, 2021
Instrument	2021-0006486

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

May 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SANTA CRUZ CA
Property Address	506 HARRIET AVE, APTOS, CA 95003-3706
Document Number	0000018855
Instrument Date	May 20, 2020
Transaction Type	Mortgage
Record Updated	Jun 17, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	506 HARRIET AVE APTOS CA 950033706, APTOS, CA 95003-3706

Mortgage

Document Number	0000018855
Date	Jun 2, 2020
Instrument	18855

Lender

Name	MIDFIRST BK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.75%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	506 HARRIET AVE, APTOS, CA 95003-3706
Document Number	0000018405
Instrument Date	May 13, 2020
Transaction Type	Mortgage
Record Updated	Jun 11, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	506 HARRIET AVE APTOS CA 950033706, APTOS, CA 95003-3706

Mortgage

Document Number	0000018405
Date	May 29, 2020
Instrument	18405

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 28, 2050

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	506 HARRIET AVE, APTOS, CA 95003-3706
Document Number	0000034448
Instrument Date	Sep 28, 2017
Transaction Type	Mortgage
Record Updated	Aug 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	506 HARRIET AVE APTOS CA 950033706, APTOS, CA 95003-3706

Mortgage

Document Number	0000034448
Date	Oct 13, 2017
Instrument	34448

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	RIVERSIDE, CA 92517

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Oct 12, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 506 Harriet Ave was $12,447 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		$984,978 (+2%) Land $689,484 Building $295,494
2025	$12,447.00 Homeowner's exemption	$965,665 Land $675,965 Building $289,700
2023	$11,302.00 (+2.21%) Homeowner's exemption	$928,167 Land $649,716 Building $278,451	$873,810
2022	$11,058.00

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

Flood

FEMA maps place 506 Harriet Ave in Zone X, an area of minimal flood risk, though there have been 12 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
Flood Insurance Cost	Premium on File 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

Wildfire risk around 506 Harriet Ave 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 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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