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521 Cathedral Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 521 Cathedral Dr, Aptos, CA 95003 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,032 sqft · built 1945
Lot Size0.227 acres (9,888 sqft)
Owner2 Individual Names on File
Last Sale$399,000 (Feb 2002)
Tax Bill$8,194 (2025)
Deeds & MortgagesJan 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN040-213-23

Property Details

APN / Parcel Number

Primary APN040-213-23
Alternative APN
  • 040-213-23-000

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms4 Rooms
Building Area1,032 sqft Living Area
Gross Area1,428 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1945
Effective Year BuiltEffective 1945
Construction TypeWood
Roof MaterialWood Shingle
Lot Area9,888 sqft (0.227 acres)
Garage TypeAttached
Garage Area396 sqft
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Heating SystemHVAC

Location & Zoning

Street Address521 CATHEDRAL DR
CityAPTOS
StateCA
Zip95003-3425
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal SubdivisionMONTE TOYON/RIO DEL MAR SUB #1
Legal Block1
Legal Lot Number8
JurisdictionSANTA CRUZ CA
Township / Civil DivisionSANTA CRUZ
Census Block Group1
Census Block1016
Census Tract122002

Owner

Source: Santa Cruz County records · APN 040-213-23

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 Record2 Individual Names on File
Mailing Address521 CATHEDRAL DR, APTOS, CA 95003-3425
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 28, 2002 · Amount on Record
Deed SaleFeb 28, 2002 · Amount on Record
Prior SaleApr 27, 1999 · Amount on Record
Deed Document Number200215419
Prior Transfer DateJan 07, 1999
Prior Transfer Doc0000001563
Record UpdatedSep 20, 2026

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address521 CATHEDRAL DR, APTOS, CA 95003-3425
Transaction TypeMortgage
Record UpdatedJul 25, 2022
Title CompanyAMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address521 CATHEDRAL DR, APTOS, CA 95003-3425

Mortgage

Document Number0000005334
DateJan 29, 2021
Instrument2021-0005334
Lender
NameJPMORGAN CHASE BANK NA
TypeBank
AddressCOLUMBUS, OH 43240
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2051

Tax Assessment & Valuation

Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
Unified School DistrictPajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$601,235 (+2%) Land $360,740 Building $240,495
2025$8,194.00 (+10.88%) Homeowner's exemption$589,447 (+4.04%) Land $353,667 Building $235,780
2023$7,390.00 (+2.47%) Homeowner's exemption$566,558 Land $339,934 Building $226,624$762,120
2022$7,212.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060871220021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies5 in force
Nearby Flood Claims7 (1982–2000)
Claims Outside the SFHA6 of 7
Most Recent ClaimFeb 2000, rainfall accumulation
Claims By Storm
  • Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 2 claims

Wildfire

Wildfire RiskModerate
above 44% of the US · above 26% of California
Wildfire LikelihoodAbout 1 in 1,429 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 151 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable1,200 / 35
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: T-Mobile USA, Verizon, AT&T, Surfnet Communications, Cruzio Internet. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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