522 Encino Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 522 Encino Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 960 sqft · built 1974
Lot Size	0.212 acres (9,235 sqft)
Owner	Individual Name on Record
Last Sale	$710,000 (Dec 2025)
Tax Bill	$8,246 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Aug 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`044-361-10`

Property Details

APN / Parcel Number

Primary APN	`044-361-10`
Alternative APN	`044-361-10-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	960 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	9,235 sqft (0.212 acres)
Terrain	Steep
Deck Area	126 sqft
Patio Area	126 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	522 ENCINO DR
City	APTOS
State	CA
Zip	95003-4860
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10-SP
Legal Subdivision	DEER PARK VILLA SITES SUB #1
Legal Lot Number	102
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1003
Census Tract	122202

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	411 BELLE MONTI CT, APTOS, CA 95003-5208
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2025	Grant Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 22, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 4, 2025 · Amount on Record
Deed Sale	Dec 4, 2025 · Amount on Record
Prior Sale	Aug 3, 1994 · Amount on Record
Deed Document Number	202525991
Prior Transfer Date	Dec 14, 2012
Prior Transfer Doc	0000064583
Record Updated	Sep 20, 2026

December 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 4, 2025
Property Address	522 ENCINO DR, APTOS, CA 95003-4860
Document Number	0000025991
Map Reference	MB 18 PG 48
Instrument Date	Nov 11, 2025
Instrument	2025-0025991
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$781.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 BELLE MONTI CT, APTOS, CA 95003-5208

Mortgage

Document Number	0000025992
Date	Dec 4, 2025
Instrument	2025-0025992

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 22, 2022
Property Address	522 ENCINO DR, APTOS, CA 95003-4860
Document Number	0000023826
Map Reference	MB 18 PG 48
Instrument Date	Jul 22, 2022
Instrument	2022-0023826
Transaction Type	Transfer
Record Updated	Sep 8, 2022

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	522 ENCINO DR, APTOS, CA 95003-4860

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		$710,000 (+11.41%) Land $640,000 Building $70,000
2025	$8,246.00 (+115.36%)	$637,298 (+116.89%) Land $532,165 Building $105,133
2023	$3,829.00 (+3.94%)	$293,841 Land $193,740 Building $100,101	$696,510
2022	$3,684.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	6 (1982–2016)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Mar 2016 · rainfall accumulation

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	0.02% 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 519 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
Verizon Fixed Wireless	300 / 20

May also be available: Cruzio, Etheric Networks, Surfnet Communications.

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