Santa Cruz County property record for 509 Harriet Ave, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 916 sqft · built 1950 |
| Lot Size | 0.097 acres (4,225 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,576 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 038-076-20 |
| Primary APN | 038-076-20 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Building Area | 916 sqft Living Area |
| Gross Area | 1,116 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 4,225 sqft (0.097 acres) |
| Garage Type | Attached |
| Garage Area | 200 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Floor/Wall Furnace |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 509 HARRIET AVE |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-3732 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RM-2.5 |
| Legal Subdivision | MAR VISTA/MONTEREY BAY |
| Legal Block | E |
| Legal Lot Number | 9,10 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 122100 |
509 Harriet Ave is owned and occupied by two individuals.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 509 HARRIET AVE, APTOS, CA 95003-3732 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 509 HARRIET AVE, APTOS, CA 95003-3732 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Address | 509 HARRIET AVE, APTOS, CA 95003-3732 |
| Document Number | 0000051231 |
|---|---|
| Date | Dec 1, 2020 |
| Instrument | 2020-0051231 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Address | DALLAS, TX 75254 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2050 |
The 2025 property tax bill for 509 Harriet Ave was $3,576.
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $177,526 (+2%) Land $100,384 Building $77,142 | ||
| 2025 | $3,576.00 | $174,046 Land $98,416 Building $75,630 | |
| 2023 | $3,143.00 (+3.42%) | $167,287 Land $94,594 Building $72,693 | $902,610 |
| 2022 | $3,039.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 509 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 |
|
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 risk around 509 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.
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 |
| 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.
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.
5G (outdoors only) and 4G LTE
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