521 Spruce St, Aptos, CA 95003 Property Records

Santa Cruz County property record for 521 Spruce St, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1952
Lot Size	0.088 acres (3,833 sqft)
Owner	Individual Name on Record
Last Sale	$235,000 (Dec 1999)
Tax Bill	$5,953 (2025)
Deeds & Mortgages	Oct 2023 Reverse Mortgage Oct 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`038-112-05`

Property Details

APN / Parcel Number

Primary APN	`038-112-05`
Alternative APN	`038-112-05-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Building Area	960 sqft Living Area

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	3,833 sqft (0.088 acres)

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	521 SPRUCE ST
City	APTOS
State	CA
Zip	95003-3718
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-4
Legal Subdivision	SEACLIFF PARK 06
Legal Block	2
Legal Lot Number	17
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1018
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	Individual Name on Record
Mailing Address	521 SPRUCE ST, APTOS, CA 95003-3718
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2023	Intrafamily Transfer, Transfer · Reverse Mortgage HIGHTECHLENDING INC
Oct 13, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 3, 1999 · Amount on Record
Deed Sale	Dec 3, 1999 · Amount on Record
Deed Document Number	199975841
Last Transfer Date	Oct 19, 2023
Transfer Doc	0000020453
Record Updated	Sep 20, 2026

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 24, 2023
Property Address	521 SPRUCE ST, APTOS, CA 95003-3718
Document Number	0000020453
Map Reference	MB 18 PG 68
Instrument Date	Oct 19, 2023
Instrument	2023-0020453
Transaction Type	Transfer
Record Updated	Nov 8, 2023
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

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
Address	521 SPRUCE ST, APTOS, CA 95003-3718

Mortgage

Document Number	0000020454
Date	Oct 24, 2023
Instrument	2023-0020454

Lender

Name	HIGHTECHLENDING INC
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	7.4%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2023
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	12.4%

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 13, 2023
Property Address	521 SPRUCE ST, APTOS, CA 95003-3718
Document Number	0000019679
Map Reference	MB 18 PG 68
Instrument Date	Sep 18, 2023
Instrument	2023-0019679
Transaction Type	Transfer
Record Updated	Oct 25, 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
Address	521 SPRUCE ST, APTOS, CA 95003-3718

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		$391,936 (+2%) Land $313,548 Building $78,388
2025	$5,953.00 (+8.65%)	$384,251 (+4.04%) Land $307,400 Building $76,851
2024	$5,479.00 (+2.8%)
2023	$5,330.00 (+2.72%)	$369,330 Land $295,464 Building $73,866	$865,260
2022	$5,189.00

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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