Santa Cruz County property record for 518 Cuesta Dr, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,673 sqft · built 1971 |
| Lot Size | 0.382 acres (16,640 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,010,000 (Aug 2017) |
| Tax Bill | $14,601 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Aug 2017 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 044-261-42 |
| Primary APN | 044-261-42 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 1,673 sqft Living Area |
| Gross Area | 2,256 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Architectural Style | Contemporary |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 16,640 sqft (0.382 acres) |
| Terrain | Steep |
| View / Lot | Ocean |
| Garage Type | Attached |
| Garage Area | 583 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 453 sqft |
| Patio Area | 453 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 518 CUESTA DR |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-5504 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-10 |
| Legal Subdivision | RIO DEL MAR CNTRY CLB S11 TR11 |
| Legal Block | 109 |
| Legal Lot Number | 21 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 122202 |
518 Cuesta Dr is owned and occupied by an individual who bought it in August 2017.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 518 CUESTA DR, APTOS, CA 95003-5504 |
| 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.
| Date | Document |
|---|---|
| Apr 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Aug 7, 2017 | Grant Deed, Transfer · Conventional Mortgage OPES ADVISORS |
| Aug 14, 2017 | Affidavit of Death, Transfer FIRST AMERICAN TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 7, 2017 · Amount on File |
| Deed Sale | Aug 7, 2017 · Amount on File |
| Prior Sale | Jan 26, 2004 · Amount on File |
| Deed Document Number | 201725933 |
| Prior Transfer Date | Dec 1, 2011 |
| Prior Transfer Doc | 0000050988 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 518 CUESTA DR, APTOS, CA 95003-5504 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2021 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 286 JESSIE LN, MOUNTAIN VIEW, CA 94041-2305 |
| Document Number | 0000021680 |
|---|---|
| Date | Apr 15, 2021 |
| Instrument | 2021-0021680 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Aug 7, 2017 |
| Property Address | 518 CUESTA DR, APTOS, CA 95003-5504 |
| Document Number | 0000025933 |
| Instrument Date | Jul 28, 2017 |
| Instrument | 25933 |
| Transaction Type | Transfer |
| Record Updated | Oct 27, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,111.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 518 CUESTA DR APTOS CA 950035504, APTOS, CA 95003-5504 |
| Document Number | 25934 |
|---|---|
| Date | Aug 7, 2017 |
| Instrument | 25934 |
| Name | OPES ADVISORS |
|---|---|
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 6, 2047 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Aug 14, 2017 |
| Property Address | 518 CUESTA DR, APTOS, CA 95003-5504 |
| Document Number | 0000026693 |
| Instrument Date | Jul 28, 2017 |
| Instrument | 26693 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
The 2025 property tax bill for 518 Cuesta Dr was $14,601.
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,172,191 (+2%) Land $713,760 Building $458,431 | ||
| 2025 | $14,601.00 | $1,149,208 Land $699,765 Building $449,443 | |
| 2023 | $13,288.00 (+2.12%) | $1,104,582 Land $672,592 Building $431,990 | $1,154,610 |
| 2022 | $13,012.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 518 Cuesta Dr in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1982.
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 risk around 518 Cuesta Dr is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 77% of California |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 118 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T, Cruzio, Etheric Networks, Surfnet Communications, T-Mobile.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures