Santa Cruz County property record for 518 Spruce St, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,348 sqft · built 1971 |
| Lot Size | 0.091 acres (3,964 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $5,141 (2025) |
| Deeds & Mortgages | Nov 2020 Transfer Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 038-111-06 |
| Primary APN | 038-111-06 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,348 sqft Living Area |
| Gross Area | 1,654 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 3,964 sqft (0.091 acres) |
| Garage Type | Attached |
| Garage Area | 306 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 144 sqft |
| Patio Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 518 SPRUCE ST |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-3719 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-4 |
| Legal Subdivision | APSTOS RHO 06 |
| Legal Lot Number | 7 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 122100 |
Source: Santa Cruz County records · APN 038-111-06
Assessment roll updated August 19, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 518 SPRUCE ST, APTOS, CA 95003-3719 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Nov 05, 2020 | Quit Claim Deed, Transfer STEWART TITLE, STEWART TITLE/CA |
| Nov 04, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage MEGA CAPITAL FUNDING INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Oct 28, 2020 |
| Transfer Doc | 0000046237 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Nov 05, 2020 |
| Property Address | 518 SPRUCE ST, APTOS, CA 95003-3719 |
| Document Number | 0000046237 |
| Instrument Date | Oct 28, 2020 |
| Instrument | 46237 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2020 |
| Title Company | STEWART TITLE, STEWART TITLE/CA |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 518 SPRUCE ST APTOS CA 950033719, APTOS, CA 95003-3719 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Nov 04, 2020 |
| Property Address | 518 SPRUCE ST, APTOS, CA 95003-3719 |
| Document Number | 0000046192 |
| Map Reference | MB 18 PG 68 |
| Instrument Date | Oct 05, 2020 |
| Instrument | 2020-0046192 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | STEWART TITLE OF CA INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 518 SPRUCE ST, APTOS, CA 95003-3719 |
| Document Number | 0000046193 |
|---|---|
| Date | Nov 04, 2020 |
| Instrument | 2020-0046193 |
| Name | MEGA CAPITAL FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2050 |
Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $325,836 (+2%) Land $170,840 Building $154,996 | |
| 2025 | $5,141.00 (+12.25%) Homeowner's exemption | $319,447 (+4.04%) Land $167,490 Building $151,957 |
| 2023 | $4,580.00 (+2.92%) Homeowner's exemption | $307,042 Land $160,986 Building $146,056 |
| 2022 | $4,450.00 |
Source: FEMA National Flood Hazard Layer as of July 10, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
| Etheric Communications, LLC. Fixed Wireless | 250 / 100 |
May also be available: Cruzio Internet, Surfnet Communications, Verizon.
Based on FCC filings for 561 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SOQUEL CREEK WATER DISTRICT serves 40,962 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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