516 Gertrude Ave, Aptos, CA 95003 Property Records

Santa Cruz County property record for 516 Gertrude Ave, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,542 sqft · built 1950
Lot Size	0.09 acres (3,920 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,031,500 (Jan 2026)
Tax Bill	$15,446 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`038-072-12`

Property Details

APN / Parcel Number

Primary APN	`038-072-12`
Alternative APN	`038-072-12-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,542 sqft Living Area
Gross Area	1,734 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1985
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	3,920 sqft (0.09 acres)
Garage Type	Attached
Garage Area	192 sqft
Parking Spaces	1 Parking Space
Deck Area	304 sqft
Patio Area	304 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	516 GERTRUDE AVE
City	APTOS
State	CA
Zip	95003-3705
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-2.5
Legal Description	BLK B LOT 8,7
Legal Subdivision	MAR VISTA TRACT/MONTEREY BAY
Legal Block	B
Legal Lot Number	7
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1009
Census Tract	122100

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	516 GERTRUDE AVE, APTOS, CA 95003-3705
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2026	Grant Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 30, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Apr 30, 2021	Intrafamily Transfer, Transfer AMROCK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2026 · Amount on Record
Deed Sale	Jan 27, 2026 · Amount on Record
Prior Sale	Mar 13, 1997 · Amount on Record
Deed Document Number	20261760
Prior Transfer Date	Dec 11, 2020
Prior Transfer Doc	0000024853
Record Updated	Oct 29, 2026

January 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 27, 2026
Property Address	516 GERTRUDE AVE, APTOS, CA 95003-3705
Document Number	0000001760
Map Reference	VOL 25 PG 20
Instrument Date	Jan 22, 2026
Instrument	2026-0001760
Transaction Type	Transfer
Record Updated	Feb 11, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,134.65
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	516 GERTRUDE AVE, APTOS, CA 95003-3705

Mortgage

Document Number	0000001761
Date	Jan 27, 2026
Instrument	2026-0001761

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 30, 2021
Property Address	516 GERTRUDE AVE, APTOS, CA 95003-3705
Document Number	0000024853
Map Reference	VOL 25 PG 20
Instrument Date	Dec 11, 2020
Instrument	2021-0024853
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	AMROCK INC, AMROCK LLC

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
Relationship	Community Property
Address	516 GERTRUDE AVE, APTOS, CA 95003-3705

Mortgage

Document Number	0000024854
Date	Apr 30, 2021
Instrument	2021-0024854

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	177 Months
Due	Jan 1, 2036

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 30, 2021
Property Address	516 GERTRUDE AVE, APTOS, CA 95003-3705
Document Number	0000024855
Map Reference	VOL 25 PG 20
Instrument Date	Dec 11, 2020
Instrument	2021-0024855
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	AMROCK INC

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
Relationship	Family Revocable Trust
Address	516 GERTRUDE AVE, APTOS, CA 95003-3705

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		$1,248,480 (+2%) Land $853,128 Building $395,352
2025	$15,446.00 (+243.17%)	$1,224,000 (+308.36%) Land $836,400 Building $387,600
2023	$4,501.00 (+2.95%) Homeowner's exemption	$299,733 Land $117,413 Building $182,320	$634,500
2022	$4,372.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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.

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