510 Spruce St, Aptos, CA 95003 Property Records

Santa Cruz County property record for 510 Spruce St, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,800 sqft · built 2006
Lot Size	0.095 acres (4,138 sqft)
Owner	Individual Name on Record
Last Sale	$949,000 (Jun 2020)
Tax Bill	$13,263 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Jun 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`038-111-28`

Property Details

APN / Parcel Number

Primary APN	`038-111-28`
Alternative APN	`038-111-28-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	1,800 sqft Living Area
Gross Area	2,200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	4,138 sqft (0.095 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	176 sqft
Patio Area	176 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	510 SPRUCE ST
City	APTOS
State	CA
Zip	95003-3719
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-4
Legal Subdivision	SEACLIFF PARK
Legal Lot Number	3,4
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1007
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	Individual Name on Record
Mailing Address	510 SPRUCE ST, APTOS, CA 95003-3719
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS INC
Jun 3, 2020	Grant Deed, Transfer FIRST AMERICAN TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2020 · Amount on Record
Deed Sale	Jun 3, 2020 · Amount on Record
Prior Sale	Jun 30, 2006 · Amount on Record
Deed Document Number	202019096
Prior Transfer Date	May 31, 2020
Prior Transfer Doc	0000019097
Record Updated	Sep 20, 2026

June 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 3, 2020
Property Address	510 SPRUCE ST, APTOS, CA 95003-3719
Document Number	0000019097
Map Reference	VOL 18 PG 68
Instrument Date	May 31, 2020
Instrument	2020-0019097
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN 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
Address	510 SPRUCE ST, APTOS, CA 95003-3719

Mortgage

Document Number	0000019098
Date	Jun 3, 2020
Instrument	2020-0019098

Lender

Name	QUICKEN LOANS INC
Type	Mortgage Company

Agreement

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

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 3, 2020
Property Address	510 SPRUCE ST, APTOS, CA 95003-3719
Document Number	0000019096
Map Reference	VOL 18 PG 68
Instrument Date	May 29, 2020
Instrument	2020-0019096
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Address	510 SPRUCE ST, APTOS, CA 95003-3719

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		$1,058,628 (+2%) Land $668,196 Building $390,432
2025	$13,263.00 (+10.04%) Homeowner's exemption	$1,037,870 (+4.04%) Land $655,094 Building $382,776
2023	$12,053.00 (+2.17%) Homeowner's exemption	$997,568 Land $629,656 Building $367,912	$1,036,530
2022	$11,797.00

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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