515 Humes Ave, Aptos, CA 95003 Property Records

Santa Cruz County property record for 515 Humes Ave, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,545 sqft · built 1976
Lot Size	0.124 acres (5,401 sqft)
Owner	2 Trust Names on Record
Last Sale	$1,078,000 (Nov 2017)
Tax Bill	$15,397 (2025)
Deeds & Mortgages	Oct 2019 Transfer Dec 2017 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`044-381-18`

Property Details

APN / Parcel Number

Primary APN	`044-381-18`
Alternative APNs	`044-381-18-000` `04421135000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,545 sqft Living Area
Gross Area	1,975 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 2011
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	5,401 sqft (0.124 acres)
Garage Type	Attached
Garage Area	430 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	515 HUMES AVE
City	APTOS
State	CA
Zip	95003-5221
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	20
Legal Lot Number	36
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1013
Census Tract	122203

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	2 Trust Names on Record
Mailing Address	515 HUMES AVE, APTOS, CA 95003-5221
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Dec 5, 2017	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Nov 28, 2017	Grant Deed, Transfer · Conventional Mortgage NATIONS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 28, 2017 · Amount on Record
Deed Sale	Nov 28, 2017 · Amount on Record
Prior Sale	Apr 9, 2013 · Amount on Record
Deed Document Number	201739830
Last Transfer Date	Oct 2, 2019
Transfer Doc	0000030618
Record Updated	Sep 20, 2026

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 4, 2019
Property Address	515 HUMES AVE, APTOS, CA 95003-5221
Document Number	0000030618
Instrument Date	Oct 2, 2019
Instrument	30618
Transaction Type	Transfer
Record Updated	Oct 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	515 HUMES AVE APTOS CA 950035221, APTOS, CA 95003-5221

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 5, 2017
Property Address	515 HUMES AVE, APTOS, CA 95003-5221
Document Number	0000040822
Instrument Date	Nov 20, 2017
Instrument	40822
Transaction Type	Transfer
Record Updated	Jan 5, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	515 HUMES AVE APTOS CA 950035221, APTOS, CA 95003-5221

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 28, 2017
Property Address	515 HUMES AVE, APTOS, CA 95003-5221
Document Number	0000039830
Instrument Date	Nov 17, 2017
Instrument	39830
Transaction Type	Transfer
Record Updated	Jan 5, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,185.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	515 HUMES AVE APTOS CA 950035221, APTOS, CA 95003-5221

Mortgage

Document Number	39831
Date	Nov 28, 2017
Instrument	39831

Lender

Name	NATIONS LNDG
Address	INDEPENDENCE, OH 44131

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 27, 2032

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		$1,251,112 (+2%) Land $875,778 Building $375,334
2025	$15,397.00 (+9.85%) Homeowner's exemption	$1,226,580 (+4.04%) Land $858,606 Building $367,974
2023	$14,017.00 (+2.11%) Homeowner's exemption	$1,178,950 Land $825,265 Building $353,685	$1,213,200
2022	$13,727.00

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
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

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

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