Santa Cruz County property record for 521 Harriet Ave, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,595 sqft · built 2001 |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $182,500 (Jul 1998) |
| Tax Bill | $6,532 (2025) |
| Deeds & Mortgages | Dec 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 038-076-25 |
| Primary APN | 038-076-25 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 1,595 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Construction Type | Wood |
| Roof Material | Wood Shingle |
| Lot Area | 3,049 sqft (0.07 acres) |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Floor/Wall Furnace |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 521 HARRIET AVE |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-3732 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RM-2.5 |
| Legal Description | BLK E |
| Legal Subdivision | VISTA/MONTEREY BAY |
| Legal Block | E |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 122100 |
521 Harriet Ave is owner-occupied and held in a trust since September 2016.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 521 HARRIET AVE, APTOS, CA 95003-3732 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
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 | Jul 29, 1998 · Amount on File |
| Deed Sale | Jul 29, 1998 · Amount on File |
| Deed Document Number | 199843703 |
| Last Transfer Date | Sep 9, 2016 |
| Transfer Doc | 0000038873 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 521 HARRIET AVE, APTOS, CA 95003-3732 |
| Document Number | 0000044614 |
| Instrument Date | Dec 22, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 18, 2018 |
| Title Company | PLACER TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 521 HARRIET AVE APTOS CA 950033732, APTOS, CA 95003-3732 |
| Document Number | 0000044614 |
|---|---|
| Date | Dec 29, 2017 |
| Instrument | 44614 |
| Name | GOLDEN 1 CU |
|---|---|
| Type | Credit Union |
| Address | SACRAMENTO, CA 95826 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 28, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 521 Harriet Ave was $6,532 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 | $451,382 (+2%) Land $223,870 Building $227,512 | ||
| 2025 | $6,532.00 Homeowner's exemption | $442,532 Land $219,482 Building $223,050 | |
| 2023 | $5,860.00 (+2.64%) Homeowner's exemption | $425,348 Land $210,958 Building $214,390 | $729,090 |
| 2022 | $5,709.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 521 Harriet 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 |
|
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 521 Harriet 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.
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 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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