Santa Cruz County property record for 523 Monterey Dr, Aptos, CA 95003 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,168 sqft · built 1980 |
| Lot Size | 0.123 acres (5,358 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $699,000 (Oct 2014) |
| Tax Bill | $11,107 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 044-221-32 |
| Primary APN | 044-221-32 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,168 sqft Living Area |
| Gross Area | 2,628 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Contemporary |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 5,358 sqft (0.123 acres) |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 242 sqft |
| Patio Area | 242 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 523 MONTEREY DR |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-4811 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | DEER PARK VILLA SITES 02 |
| Legal Block | 1 |
| Legal Lot Number | 17 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 122202 |
Source: Santa Cruz County records · APN 044-221-32
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 523 MONTEREY DR, APTOS, CA 95003-4811 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 09, 2014 · Amount on Record |
| Deed Sale | Oct 09, 2014 · Amount on Record |
| Prior Sale | Mar 10, 2000 · Amount on Record |
| Deed Document Number | 201433837 |
| Prior Transfer Date | Nov 05, 2004 |
| Prior Transfer Doc | 0000083650 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 523 MONTEREY DR, APTOS, CA 95003-4811 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000021383 |
|---|---|
| Date | Jun 17, 2020 |
| Instrument | 2020-0021383 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2050 |
Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $856,896 (+2%) Land $599,827 Building $257,069 | ||
| 2025 | $11,107.00 (+10.27%) | $840,094 (+4.04%) Land $588,066 Building $252,028 | |
| 2023 | $10,073.00 (+2.25%) | $807,472 Land $565,230 Building $242,242 | $1,116,090 |
| 2022 | $9,851.00 |
Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060871222021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| 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 |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 519 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AT&T | Fiber | 5,000 / 5,000 |
| Xfinity | Cable | 1,200 / 35 |
| Verizon | Fixed Wireless | 300 / 20 |
May also be available at this address: Surfnet Communications, Etheric Communications, LLC., Cruzio Internet. Availability varies by address; speeds are provider-advertised maximums, not measured.
5G and 4G LTE (outdoors only)
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