520 Harriet Ave, Aptos, CA 95003 Property Records

Santa Cruz County property record for 520 Harriet Ave, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 865 sqft · built 1973
Lot Size	0.064 acres (2,788 sqft)
Owner	2 Individual Names on Record
Last Sale	$751,500 (Dec 2018)
Tax Bill	$11,007 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Jan 2023 Mortgage + 10 more
Flood Zone	Zone X (minimal risk)
APN	`038-074-18`

Property Details

APN / Parcel Number

Primary APN	`038-074-18`
Alternative APN	`038-074-18-000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	865 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 2005
Construction Type	Wood
Roof Material	Other
Lot Area	2,788 sqft (0.064 acres)
Garage Type	Carport
Garage Area	185 sqft
Carport	Carport
Carport Area	185 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	520 HARRIET AVE
City	APTOS
State	CA
Zip	95003-3706
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-2.5
Legal Description	BLK D LOT 5
Legal Subdivision	MAR VISTA
Legal Block	D
Legal Lot Number	5
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1011
Census Tract	122100

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 Record	2 Individual Names on Record
Mailing Address	520 HARRIET AVE, APTOS, CA 95003-3706
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2023	Deed of Trust, Mortgage · Line of Credit JACKSON FLAGSTAR CENTRE OFFICE
Jan 18, 2023	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Nov 30, 2021	Intrafamily Transfer, Transfer
Nov 2, 2021	Intrafamily Transfer, Transfer
Nov 2, 2021	Intrafamily Transfer, Transfer
Aug 27, 2021	Deed of Trust, Mortgage · FHA Mortgage BSI FINANCIAL SERVICES
Mar 8, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Jun 1, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Sep 16, 2019	Deed of Trust, Mortgage · VA Mortgage ORION LNDG
Dec 18, 2018	Grant Deed, Transfer · VA Mortgage HOME POINT FINANCIAL CORPORATION
Jun 29, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST
Jan 10, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2018 · Amount on Record
Deed Sale	Dec 18, 2018 · Amount on Record
Prior Sale	Dec 1, 2015 · Amount on Record
Deed Document Number	201837564
Last Transfer Date	Nov 29, 2021
Transfer Doc	0000058330
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	520 HARRIET AVE, APTOS, CA 95003-3706
Transaction Type	Mortgage
Record Updated	May 10, 2023
Title Company	BOSTON NATIONAL TITLE, BOSTON NATL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 HARRIET AVE, APTOS, CA 95003-3706

Mortgage

Document Number	0000006975
Date	Apr 24, 2023
Instrument	2023-0006975

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	520 HARRIET AVE, APTOS, CA 95003-3706
Transaction Type	Mortgage
Record Updated	Feb 1, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 HARRIET AVE, APTOS, CA 95003-3706

Mortgage

Document Number	0000000821
Date	Jan 18, 2023
Instrument	2023-0000821

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	339 Months
Due	Apr 1, 2051

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 30, 2021
Property Address	520 HARRIET AVE, APTOS, CA 95003-3706
Document Number	0000058330
Map Reference	MB 25 PG 20
Instrument Date	Nov 29, 2021
Instrument	2021-0058330
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	520 HARRIET AVE, APTOS, CA 95003-3706

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 2, 2021
Property Address	520 HARRIET AVE, APTOS, CA 95003-3706
Document Number	0000054596
Map Reference	MB 25 PG 20
Instrument Date	Nov 1, 2021
Instrument	2021-0054596
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	520 HARRIET AVE, APTOS, CA 95003-3706

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 2, 2021
Property Address	520 HARRIET AVE, APTOS, CA 95003-3706
Document Number	0000054595
Map Reference	MB 25 PG 20
Instrument Date	Nov 1, 2021
Instrument	2021-0054595
Transaction Type	Transfer
Record Updated	Nov 18, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	520 HARRIET AVE, APTOS, CA 95003-3706

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	520 HARRIET AVE, APTOS, CA 95003-3706
Transaction Type	Mortgage
Record Updated	Sep 7, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 HARRIET AVE, APTOS, CA 95003-3706

Mortgage

Document Number	0000044486
Date	Aug 27, 2021
Instrument	2021-0044486

Lender

Name	BSI FINANCIAL SERVICES
Type	Non-Lending Institution
Address	TITUSVILLE, PA 16354

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Apr 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	520 HARRIET AVE, APTOS, CA 95003-3706
Transaction Type	Mortgage
Record Updated	Mar 24, 2021
Title Company	NEXTITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 HARRIET AVE, APTOS, CA 95003-3706

Mortgage

Document Number	0000013773
Date	Mar 8, 2021
Instrument	2021-0013773

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	520 HARRIET AVE, APTOS, CA 95003-3706
Document Number	0000019499
Instrument Date	Jun 1, 2020
Transaction Type	Mortgage
Record Updated	Jun 17, 2020
Title Company	NEXTITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	520 HARRIET AVE APTOS CA 950033706, APTOS, CA 95003-3706

Mortgage

Document Number	0000019499
Date	Jun 5, 2020
Instrument	19499

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 4, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	520 HARRIET AVE, APTOS, CA 95003-3706
Document Number	0000028541
Instrument Date	Sep 16, 2019
Transaction Type	Mortgage
Record Updated	Oct 3, 2019
Title Company	NEXTITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	520 HARRIET AVE APTOS CA 950033706, APTOS, CA 95003-3706

Mortgage

Document Number	0000028541
Date	Sep 20, 2019
Instrument	28541

Lender

Name	ORION LNDG
Address	ORANGE, CA 92868

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 19, 2049

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 18, 2018
Property Address	520 HARRIET AVE, APTOS, CA 95003-3706
Document Number	0000037564
Map Reference	MB 25 PG 20
Instrument Date	Dec 11, 2018
Instrument	2018-0037564
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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	Joint Tenants
Address	520 HARRIET AVE, APTOS, CA 95003-3706

Mortgage

Document Number	0000037565
Date	Dec 18, 2018
Instrument	2018-0037565

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	520 HARRIET AVE, APTOS, CA 95003-3706
Document Number	0000021532
Instrument Date	Jun 29, 2018
Transaction Type	Mortgage
Record Updated	Aug 7, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	520 HARRIET AVE APTOS CA 950033706, APTOS, CA 95003-3706

Mortgage

Document Number	0000021532
Date	Jul 16, 2018
Instrument	21532

Lender

Name	BANK OF THE WEST
Type	Bank
Address	SAN JOSE, CA 95125

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 15, 2048

Interest

Rate Type	Adjustable Rate

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 10, 2017
Property Address	520 HARRIET AVE, APTOS, CA 95003-3706
Document Number	0000001178
Instrument Date	May 27, 2016
Instrument	1178
Transaction Type	Transfer
Record Updated	Jan 25, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	520 HARRIET AVE APTOS CA 950033706, APTOS, CA 95003-3706

Tax Assessment & Valuation

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		$855,079 (+2%) Land $675,512 Building $179,567
2025	$11,007.00 (+10.32%) Homeowner's exemption	$838,313 (+4.04%) Land $662,267 Building $176,046
2023	$9,977.00 (+2.11%) Homeowner's exemption	$805,760 Land $636,550 Building $169,210	$765,540
2022	$9,771.00

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

Flood

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 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	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 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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