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517 Harriet Ave, Aptos, CA 95003 Property Records

Santa Cruz County property record for 517 Harriet Ave, Aptos, CA 95003

Property Summary

Property TypeDuplex
Details2 bd · 2 ba · 1,352 sqft · built 1950
Lot Size0.146 acres (6,360 sqft)
OwnerTrust Name on Record
Last Sale$385,000 (Jan 2002)
Tax Bill$8,972 (2025)
Deeds & MortgagesMay 2024 Transfer
Sep 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN038-076-18

Property Details

APN / Parcel Number

Primary APN038-076-18
Alternative APN
  • 038-076-18-000

Interior

Bedrooms2 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Building Area1,352 sqft Total Area

Exterior

Year BuiltBuilt 1950
Effective Year BuiltEffective 1950
Architectural StyleDuplex Single
Construction TypeMasonry / Concrete Block
Roof MaterialComposition Shingle
Lot Area6,360 sqft (0.146 acres)

Utilities, Heating & Cooling

Heating SystemHVAC
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address517 HARRIET AVE, A
CityAPTOS
StateCA
Zip95003-3732
Property CategoryResidential
Property TypeResidential > Multi-Unit > Duplex
Local Zoning CodeRM-2.5
Legal SubdivisionMAR VISTA TRACT/MONTEREY BAY
Legal BlockE
Legal Lot Number5-7
JurisdictionSANTA CRUZ CA
Township / Civil DivisionSANTA CRUZ
Census Block Group1
Census Block1007
Census Tract122100

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 RecordTrust Name on Record
Mailing Address517 HARRIET AVE, APTOS, CA 95003-3732
Owner TypeIndividual
VestingTrust, Revocable Trust

Deeds, Mortgages & Sale History

DateDocument
May 3, 2024Intrafamily Transfer, Transfer
Sep 23, 2020Deed of Trust, Mortgage · Conventional Mortgage
ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 9, 2002 · Amount on Record
Deed SaleJan 9, 2002 · Amount on Record
Deed Document Number20022125
Last Transfer DateApr 23, 2024
Transfer Doc0000008270
Record UpdatedSep 20, 2026

May 2024: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSANTA CRUZ CA
Recording DateMay 3, 2024
Property Address517 HARRIET AVE, APTOS, CA 95003-3732
Document Number0000008270
Map ReferenceBM 25 PG 20
Instrument DateApr 23, 2024
Instrument2024-0008270
Transaction TypeTransfer
Record UpdatedMay 17, 2024

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address517 HARRIET AVE, APTOS, CA 95003-3732

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address517 HARRIET AVE, APTOS, CA 95003-3732
Transaction TypeMortgage
Record UpdatedOct 21, 2022
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address517 HARRIET AVE, APTOS, CA 95003-3732

Mortgage

Document Number0000037851
DateSep 23, 2020
Instrument2020-0037851
Lender
NameACADEMY MORTGAGE CORP
TypeMortgage Company
AddressDRAPER, UT 84020
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2050

Tax Assessment & Valuation

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$580,137 (+2%) Land $376,711 Building $203,426
2025$8,972.00 (+11.07%)$568,762 (+4.04%) Land $369,325 Building $199,437
2023$8,078.00 (+2.72%)$546,676 Land $354,984 Building $191,692
2022$7,864.00

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

Flood

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 Record
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

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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