Santa Cruz County property record for 520 Giorgio Way, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,476 sqft · built 1991 |
| Lot Size | 0.124 acres (5,401 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $425,000 (Sep 1997) |
| Tax Bill | $9,202 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-221-57 |
| Primary APN | 040-221-57 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 2,476 sqft Living Area |
| Gross Area | 2,966 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Construction Type | Wood |
| Roof Material | Tile |
| Lot Area | 5,401 sqft (0.124 acres) |
| Terrain | Steep |
| Garage Type | Attached |
| Garage Area | 490 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 520 GIORGIO WAY |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-3436 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-6 |
| Legal Description | TRACT 1308 LOT 3 |
| Legal Subdivision | CATHEDRAL VILLAS TR #1308 |
| Legal Tract | 1308 |
| Legal Lot Number | 3 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 122002 |
520 Giorgio Way is owned and occupied by two individuals who acquired it in April 2014.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 520 GIORGIO WAY, APTOS, CA 95003-3436 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 16, 1997 · Amount on File |
| Deed Sale | Sep 16, 1997 · Amount on File |
| Prior Sale | Jan 28, 1994 · Amount on File |
| Deed Document Number | 199742490 |
| Last Transfer Date | Apr 11, 2014 |
| Transfer Doc | 0000011515 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 520 Giorgio Way was $9,202 with a homeowner's exemption.
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 | $692,207 (+2%) Land $325,745 Building $366,462 | ||
| 2025 | $9,202.00 Homeowner's exemption | $678,634 Land $319,358 Building $359,276 | |
| 2023 | $8,317.00 (+2.38%) Homeowner's exemption | $652,282 Land $306,957 Building $345,325 | $1,471,860 |
| 2022 | $8,124.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 520 Giorgio Way in Zone X, an area of minimal flood risk, though there have been 7 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 | 5 in force |
| Nearby Flood Claims | 7 (1982–2000) |
| Claims Outside the SFHA | 6 of 7 |
| Most Recent Claim | Feb 2000 · rainfall accumulation |
| Claims by Event |
|
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 520 Giorgio Way is moderate, ranking above 43% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 43% of the US · lower than 74% of California |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 151 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
May also be available: AT&T, Cruzio, Surfnet Communications, T-Mobile, Verizon.
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