522 Laverne Ave, Aptos, CA 95003 Property Records

Santa Cruz County property record for 522 Laverne Ave, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 880 sqft · built 1972
Lot Size	0.058 acres (2,526 sqft)
Owner	Individual Name on Record
Last Sale	$1,025,000 (Jun 2026)
Tax Bill	$13,947 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Jan 2023 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`038-073-28`

Property Details

APN / Parcel Number

Primary APN	`038-073-28`
Alternative APN	`038-073-28-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	880 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 2022
Construction Type	Wood
Roof Material	Other
Lot Area	2,526 sqft (0.058 acres)
Garage Type	Carport
Garage Area	215 sqft
Carport	Carport
Carport Area	215 sqft
Parking Spaces	1 Parking Space
Deck Area	150 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	522 LAVERNE AVE
City	APTOS
State	CA
Zip	95003-3795
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-2.5
Legal Subdivision	MAR VISTA
Legal Block	C
Legal Lot Number	5
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1010
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	303 SANTA FE AVE, PISMO BEACH, CA 93449-1950
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2022	Deed of Trust, Mortgage · Line of Credit PATELCO CU
Jan 17, 2023	Deed of Trust, Mortgage · Line of Credit PATELCO CU
Jun 1, 2026	Grant Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC
Aug 17, 2023	Grant Deed, Transfer · Conventional Mortgage WATERMARK CAPITAL INC
May 6, 2022	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Nov 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Sep 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2026 · Amount on Record
Deed Sale	Jun 1, 2026 · Amount on Record
Prior Sale	Aug 17, 2023 · Amount on Record
Deed Document Number	202612280
Prior Transfer Date	Sep 4, 2009
Prior Transfer Doc	0000043880
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	522 LAVERNE AVE, APTOS, CA 95003-3795
Transaction Type	Mortgage
Record Updated	Jun 22, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 LAVERNE AVE, APTOS, CA 95003-3795
Investor	Possibly a Property Investor

Mortgage

Document Number	0000022116
Date	Aug 1, 2022
Instrument	2022-0022116

Lender

Name	PATELCO CU
Type	Credit Union
Address	PLEASANTON, CA 94566

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Aug 31, 2047

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Adjustable	Adjustable Rate Rider
Change Frequency	Monthly
Index	Prime Rate
Max Rate	17%

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	522 LAVERNE AVE, APTOS, CA 95003-3795
Transaction Type	Mortgage
Record Updated	Jun 22, 2026
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 LAVERNE AVE, APTOS, CA 95003-3795
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000766
Date	Jan 17, 2023
Instrument	2023-0000766

Lender

Name	PATELCO CU
Type	Credit Union
Address	DUBLIN, CA 94568

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Feb 28, 2048

Interest

Rate Type	Adjustable Rate
Rate	9.75%
Change Frequency	Monthly
Min Rate At Change	3%
Max Rate At Change	9.75%
Index	Other
Max Rate	17%

June 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 1, 2026
Property Address	522 LAVERNE AVE, APTOS, CA 95003-3795
Document Number	0000012280
Instrument Date	May 26, 2026
Instrument	202612280
Transaction Type	Transfer
Record Updated	Jun 15, 2026
Title Company	STEWART TITLE/NW FLORIDA, STEWART TITLE OF CALIFORNIA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$113,877.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	303 SANTA FE AVE, PISMO BEACH, CA 93449-1950

Mortgage

Document Number	0000012281,
Date	Jun 1, 2026
Instrument	202612281

Lender

Name	EVERETT FINANCIAL INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

August 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 17, 2023
Property Address	522 LAVERNE AVE, APTOS, CA 95003-3795
Document Number	0000015441
Map Reference	MB 25 PG 20
Instrument Date	Aug 11, 2023
Instrument	2023-0015441
Transaction Type	Transfer
Record Updated	Aug 30, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,177.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1160 FREYA PL, SANTA CRUZ, CA 95062-2898

Mortgage

Document Number	0000015442
Date	Aug 17, 2023
Instrument	2023-0015442

Lender

Name	WATERMARK CAPITAL INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

May 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 6, 2022
Property Address	522 LAVERNE AVE, APTOS, CA 95003-3795
Document Number	0000014533
Map Reference	MB 25 PG 20
Instrument Date	Apr 30, 2022
Instrument	2022-0014533
Transaction Type	Transfer
Record Updated	May 31, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,237.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	522 LAVERNE AVE, APTOS, CA 95003-3795

Mortgage

Document Number	0000014534
Date	May 6, 2022
Instrument	2022-0014534

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	522 LAVERNE AVE, APTOS, CA 95003-3795
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	QUICKEN LOANS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 LAVERNE AVE, APTOS, CA 95003-3795

Mortgage

Document Number	0000046549
Date	Nov 6, 2020
Instrument	2020-0046549

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2040

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	522 LAVERNE AVE, APTOS, CA 95003-3795
Document Number	0000028651
Instrument Date	Sep 16, 2019
Transaction Type	Mortgage
Record Updated	Oct 9, 2019
Title Company	AMROCK TITLE CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	522 LAVERNE AVE APTOS CA 950033795, APTOS, CA 95003-3795

Mortgage

Document Number	0000028651
Date	Sep 23, 2019
Instrument	28651

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Sep 22, 2044

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		$1,113,228 (+2%) Land $701,334 Building $411,894
2025	$13,947.00 (+7.76%)	$1,091,400 (-4.89%) Land $687,582 Building $403,818
2024	$12,943.00 (-5.88%)
2023	$13,752.00 (+86.75%)	$1,147,500 Land $918,000 Building $229,500	$934,560
2022	$7,364.00

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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