519 Laverne Ave, Aptos, CA 95003 Property Records

Santa Cruz County property record for 519 Laverne Ave, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,241 sqft · built 1948
Lot Size	0.098 acres (4,269 sqft)
Owner	2 Individual Names on File
Last Sale	$670,000 (Feb 2020)
Tax Bill	$9,813 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`038-074-04`

Property Details

APN / Parcel Number

Primary APN	`038-074-04`
Alternative APN	`038-074-04-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,241 sqft Living Area
Gross Area	1,461 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1970
Architectural Style	Bungalow
Exterior Material	Wood
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	4,269 sqft (0.098 acres)
Garage Type	Attached
Garage Area	220 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	519 LAVERNE AVE
City	APTOS
State	CA
Zip	95003-3775
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-2.5
Legal Subdivision	MAR VISTA 02 82
Legal Lot Number	18
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1011
Census Tract	122100

Owner

519 Laverne Ave is owned and occupied by two individuals who acquired it in January 2023.

Source: Santa Cruz County records, as of August 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	519 LAVERNE AVE, APTOS, CA 95003-3775
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST
Dec 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Feb 12, 2020	Grant Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2020 · Amount on File
Deed Sale	Feb 12, 2020 · Amount on File
Deed Document Number	20205039
Last Transfer Date	Jan 27, 2023
Transfer Doc	0000001820
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	519 LAVERNE AVE, APTOS, CA 95003-3775
Transaction Type	Mortgage
Record Updated	Dec 14, 2022
Title Company	FIRST AMERICAN TITL

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	519 LAVERNE AVE, APTOS, CA 95003-3775

Mortgage

Document Number	0000032015
Date	Dec 2, 2022
Instrument	2022-0032015

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	519 LAVERNE AVE, APTOS, CA 95003-3775
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	519 LAVERNE AVE, APTOS, CA 95003-3775

Mortgage

Document Number	0000057530
Date	Dec 31, 2020
Instrument	2020-0057530

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 12, 2020
Property Address	519 LAVERNE AVE, APTOS, CA 95003-3775
Document Number	0000005039
Map Reference	MB 25 PG 20
Instrument Date	Feb 6, 2020
Instrument	2020-0005039
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	519 LAVERNE AVE, APTOS, CA 95003-3775

Mortgage

Document Number	0000005040
Date	Feb 12, 2020
Instrument	2020-0005040

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 519 Laverne Ave was $9,813 with a homeowner's exemption.

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		$747,397 (+2%) Land $560,548 Building $186,849
2025	$9,813.00 Homeowner's exemption	$732,743 Land $549,557 Building $183,186
2023	$8,879.00 (+2.15%) Homeowner's exemption	$704,289 Land $528,217 Building $176,072	$735,660
2022	$8,692.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 519 Laverne Ave in Zone X, an area of minimal flood risk, though there have been 12 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
Flood Insurance Cost	Premium on File 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

Wildfire risk around 519 Laverne Ave is low, with a 0.01% annual chance of 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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