514 Humes Ave, Aptos, CA 95003 Property Records

Santa Cruz County property record for 514 Humes Ave, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,051 sqft · built 1961
Lot Size	0.142 acres (6,186 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Jan 1995)
Tax Bill	$5,803 (2025)
Deeds & Mortgages	Nov 2021 Mortgage May 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`044-213-38`

Property Details

APN / Parcel Number

Primary APN	`044-213-38`
Alternative APN	`044-213-38-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	1,051 sqft Living Area
Gross Area	1,411 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	6,186 sqft (0.142 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Deck Area	192 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	514 HUMES AVE
City	APTOS
State	CA
Zip	95003-5241
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-5
Legal Subdivision	APTOS BCH CNTRY CLB PROP 01
Legal Block	24
Legal Lot Number	10
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1007
Census Tract	122203

Owner

514 Humes Ave is owned and occupied by two individuals who acquired it in April 2019.

Source: Santa Cruz County records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	514 HUMES AVE, APTOS, CA 95003-5241
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Nov 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
May 1, 2018	Deed of Trust, Mortgage · Line of Credit BAY FCU
May 17, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 19, 1995 · Amount on File
Deed Sale	Jan 19, 1995 · Amount on File
Deed Document Number	19953362
Deed Book / Page	5626 / 802
Last Transfer Date	Apr 22, 2019
Transfer Doc	0000013289
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	514 HUMES AVE, APTOS, CA 95003-5241
Transaction Type	Mortgage
Record Updated	Dec 2, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 HUMES AVE, APTOS, CA 95003-5241

Mortgage

Document Number	0000056338
Date	Nov 15, 2021
Instrument	2021-0056338

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

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

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	514 HUMES AVE, APTOS, CA 95003-5241
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013071
Date	May 1, 2018
Instrument	2018-0013071

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jun 15, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 17, 2019
Property Address	514 HUMES AVE, APTOS, CA 95003-5241
Document Number	0000013289
Instrument Date	Apr 22, 2019
Instrument	13289
Transaction Type	Transfer
Record Updated	May 30, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	514 HUMES AVE APTOS CA 950035241, APTOS, CA 95003-5241

Tax Assessment & Valuation

The 2025 property tax bill for 514 Humes Ave was $5,803 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		$385,496 (+2%) Land $192,748 Building $192,748
2025	$5,803.00 Homeowner's exemption	$377,938 Land $188,969 Building $188,969
2023	$5,190.00 (+2.77%) Homeowner's exemption	$363,262 Land $181,631 Building $181,631	$830,070
2022	$5,050.00

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

Flood

FEMA maps place 514 Humes Ave in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 in force

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 Humes 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 511 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
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Cruzio, Etheric Networks, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Humes Ave

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