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514 Cathedral Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 514 Cathedral Dr, Aptos, CA 95003 · Last verified August 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms3 Baths
Year BuiltBuilt 1977
Square Footage3,017 sqft Living Area
Lot Size26,267 sqft (0.603 acres)
OccupancyOwner Occupied
Tax Bill$7,802.00 (2025)

Owner

Source: Santa Cruz County records · APN 040-221-35

Assessment roll updated August 19, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address514 CATHEDRAL DR, APTOS, CA 95003-3405
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Apr 12, 2021Deed of Trust, Mortgage · Conventional Mortgage
RESIDENTIAL WHOLESALE MORTGAGE INC
Aug 31, 2020Deed of Trust, Mortgage · Line of Credit
KINECTA FCU
Apr 27, 2018Deed of Trust, Mortgage · Conventional Mortgage
RESIDENTIAL WHOLESALE MORTGAGE INC
Apr 04, 2017Deed of Trust, Mortgage · Conventional Mortgage
KINECTA FCU

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Record RefreshedSep 20, 2026

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address514 CATHEDRAL DR, APTOS, CA 95003-3405
Transaction TypeMortgage
Record UpdatedApr 28, 2021
Title CompanySTATES TITLE INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address514 CATHEDRAL DR, APTOS, CA 95003-3405

Mortgage

Document Number0000020918
DateApr 12, 2021
Instrument2021-0020918
Lender
NameRESIDENTIAL WHOLESALE MORTGAGE INC
TypeMortgage Company
AddressSAN DIEGO, CA 92130
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2051

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address514 CATHEDRAL DR, APTOS, CA 95003-3405
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyTICOR TITLE NATL COM SVCS

Transferred To (Grantee/Buyer)

NameVerified Name
Address514 CATHEDRAL DR, APTOS, CA 95003-3405

Mortgage

Document Number0000033701
DateAug 31, 2020
Instrument2020-0033701
Lender
NameKINECTA FCU
TypeCredit Union
AddressMANHATTAN BEACH, CA 90266
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

April 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address514 CATHEDRAL DR, APTOS, CA 95003-3405
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyTITLE RESOURCES GUARANTY INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000012746
DateApr 27, 2018
Instrument2018-0012746
Lender
NameRESIDENTIAL WHOLESALE MORTGAGE INC
TypeMortgage Company
AddressSAN DIEGO, CA 92130
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2048

April 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address514 CATHEDRAL DR, APTOS, CA 95003-3405
Document Number0000011371
Instrument DateApr 04, 2017
Transaction TypeMortgage
Record UpdatedApr 19, 2017
Title CompanyFIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address514 CATHEDRAL DR APTOS CA 950033405, APTOS, CA 95003-3405

Mortgage

Document Number0000011371
DateApr 05, 2017
Instrument11371
Lender
NameKINECTA FCU
TypeCredit Union
AddressMANHATTAN BEACH, CA 90266
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
Unified School DistrictPajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$565,887 (+2%) Land $194,523 Building $371,364
2025$7,802.00 (+11%) Homeowner's exemption$554,790 (+4.04%) Land $190,708 Building $364,082
2023$7,029.00 (+2.49%) Homeowner's exemption$533,247 Land $183,303 Building $349,944$1,184,850
2022$6,858.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskModerate
above 44% of the US · above 26% of California
Wildfire LikelihoodAbout 1 in 1,429 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN040-221-35
Alternative APN
  • 040-221-35-000

Interior

Bedrooms3 Beds
Full Baths3 Baths
Building Area3,017 sqft Living Area

Exterior

Year BuiltBuilt 1977
Effective Year BuiltEffective 1977
Construction TypeWood Construction
Roof ConstructionSawtooth Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area26,267 sqft (0.603 acres)

Utilities and HVAC

SewageMunicipal Sewage
Water SourceCommercial Water Source

Location & Zoning

Street Address514 CATHEDRAL DR
CityAPTOS
StateCA
Zip95003-3405
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal SubdivisionPM47 58
JurisdictionSANTA CRUZ CA
Minor Civil DivisionSANTA CRUZ
Census Blockgroup1
Census Block1016
Census Tract122002

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