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514 Harriet Ave, #C, Aptos, CA 95003 Property Records

Santa Cruz County property record for 514 Harriet Ave, #C, Aptos, CA 95003

Property Summary

Property TypeDuplex
Details2 bd · 2 ba · 1,200 sqft · built 1964
Lot Size0.062 acres (2,701 sqft)
Owner2 Trust Names on File
Last Sale$739,500 (May 2017)
Tax Bill$12,238 (2025)
Deeds & MortgagesMay 2022 Mortgage
May 2017 Sale
Flood ZoneZone X (minimal risk)
APN038-074-27

Property Details

APN / Parcel Number

Primary APN038-074-27
Alternative APN
  • 038-074-27-000

Interior

Bedrooms2 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Building Area1,200 sqft Living Area
Gross Area1,800 sqft

Exterior

Year BuiltBuilt 1964
Effective Year BuiltEffective 1964
Architectural StyleDuplex Single
Construction TypeWood
Roof MaterialOther
Lot Area2,701 sqft (0.062 acres)
Garage TypeAttached
Garage Area600 sqft
Parking Spaces2 Parking Spaces
Deck Area230 sqft
Patio Area230 sqft

Utilities, Heating & Cooling

Cooling SystemWall Unit
Heating SystemFloor/Wall Furnace
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address514 HARRIET AVE, A
CityAPTOS
StateCA
Zip95003-3706
Property CategoryResidential
Property TypeResidential > Multi-Unit > Duplex
Local Zoning CodeRM-2.5
Legal SubdivisionMAR VISTA TR MONTEREY BAY
Legal BlockD
Legal Lot Number8
JurisdictionSANTA CRUZ CA
Township / Civil DivisionSANTA CRUZ
Census Block Group1
Census Block1011
Census Tract122100

Owner

514 Harriet Ave, #C is held in a trust since May 2017.

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

Owner of Record2 Trust Names on File
Mailing Address933 JENNY WAY, FELTON, CA 95018-9137
Owner TypeIndividual
VestingTrust, Family Trust

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

DateDocument
May 3, 2022Deed of Trust, Mortgage · Conventional Mortgage
CHANGE LENDING LLC
May 10, 2017Grant Deed, Transfer
STEWART TITLE, STEWART TITLE/CA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 10, 2017 · Amount on File
Deed SaleMay 10, 2017 · Amount on File
Prior SaleOct 30, 2012 · Amount on File
Deed Document Number201715396
Prior Transfer DateNov 29, 2016
Prior Transfer Doc0000048415
Record UpdatedSep 20, 2026

May 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address514 HARRIET AVE # A, A, APTOS, CA 95003-3706
Transaction TypeMortgage
Record UpdatedMay 17, 2022
Title CompanyOLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
Address933 JENNY WAY, FELTON, CA 95018-9137

Mortgage

Document Number0000014152
DateMay 3, 2022
Instrument2022-0014152
Lender
NameCHANGE LENDING LLC
TypeMortgage Company
AddressIRVINE, CA 92606
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJun 1, 2052

May 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSANTA CRUZ CA
Recording DateMay 10, 2017
Property Address514 HARRIET AVE # A, A, APTOS, CA 95003-3706
Document Number0000015396
Instrument DateMay 2, 2017
Instrument15396
Transaction TypeTransfer
Record UpdatedMay 22, 2017
Title CompanySTEWART TITLE, STEWART TITLE/CA

Transaction

AmountAmount on Record
Tax$813.00
Amount AccuracyFull Value
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address933 JENNY WAY FELTON CA 950189137, FELTON, CA 95018-9137

Tax Assessment & Valuation

The 2025 property tax bill for 514 Harriet Ave, #C was $12,238.

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$874,827 (+2%) Land $697,257 Building $177,570
2025$12,238.00$857,673 Land $683,585 Building $174,088
2023$11,084.00 (+2.46%)$824,369 Land $657,041 Building $167,328
2022$10,818.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 514 Harriet Ave, #C 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 23 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies23 in force
Nearby Flood Claims12 (1982–2023)
Claims Outside the SFHA1 of 12
Most Recent ClaimJan 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 514 Harriet Ave, #C is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · lower than 88% of California
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemSOQUEL CREEK WATER DISTRICT
serves 40,962 people · EPA ID CA4410017
Water SourcePurchased surface water from several systems
Last State InspectionJun 2023
Lead2 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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