516 Monterey Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 516 Monterey Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,743 sqft · built 1966
Lot Size	0.116 acres (5,053 sqft)
Owner	2 Individual Names on Record
Last Sale	$326,000 (Dec 1999)
Tax Bill	$7,195 (2025)
Deeds & Mortgages	May 2021 Transfer Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`044-392-08`

Property Details

APN / Parcel Number

Primary APN	`044-392-08`
Alternative APN	`044-392-08-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,743 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Contemporary
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	5,053 sqft (0.116 acres)
Terrain	Steep
Garage Type	Attached
Deck Area	504 sqft
Patio Area	504 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	516 MONTEREY DR
City	APTOS
State	CA
Zip	95003-4812
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-5
Legal Subdivision	APTOS BCH CNTRY CLB PROP 01
Legal Lot Number	8
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1006
Census Tract	122202

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 Individual Names on Record
Mailing Address	516 MONTEREY DR, APTOS, CA 95003-4812
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2021	Intrafamily Transfer, Transfer
Dec 3, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage JWH FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 1999 · Amount on Record
Deed Sale	Dec 8, 1999 · Amount on Record
Deed Document Number	199976585
Last Transfer Date	Apr 6, 2021
Transfer Doc	0000027092
Record Updated	Sep 20, 2026

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	May 12, 2021
Property Address	516 MONTEREY DR, APTOS, CA 95003-4812
Document Number	0000027092
Map Reference	VOL 223 PG 1
Instrument Date	Apr 6, 2021
Instrument	2021-0027092
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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 Trust
Address	516 MONTEREY DR, APTOS, CA 95003-4812

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 3, 2020
Property Address	516 MONTEREY DR, APTOS, CA 95003-4812
Document Number	0000051812
Map Reference	VOL 23 PG 1
Instrument Date	Sep 3, 2020
Instrument	2020-0051812
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	STEWART TITLE GUARANTY CO

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	Joint Tenants
Address	516 MONTEREY DR, APTOS, CA 95003-4812

Mortgage

Document Number	0000051813
Date	Dec 3, 2020
Instrument	2020-0051813

Lender

Name	JWH FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	178 Months
Due	Oct 1, 2035

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		$511,084 (+2%) Land $313,549 Building $197,535
2025	$7,195.00 (+11.21%) Homeowner's exemption	$501,062 (+4.04%) Land $307,401 Building $193,661
2023	$6,470.00 (+2.55%) Homeowner's exemption	$481,606 Land $295,465 Building $186,141	$978,210
2022	$6,309.00

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	4 in force
Nearby Flood Claims	6 (1982–2016)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Mar 2016 · rainfall accumulation

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 519 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
Verizon Fixed Wireless	300 / 20

May also be available: Cruzio, Etheric Networks, Surfnet Communications.

Cell Coverage

5G and 4G LTE (outdoors only)

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