524 Laverne Ave, Aptos, CA 95003 Property Records

Santa Cruz County property record for 524 Laverne Ave, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,006 sqft · built 1971
Lot Size	0.065 acres (2,831 sqft)
Owner	Individual Name on Record
Last Sale	$477,000 (Aug 2013)
Tax Bill	$8,140 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`038-073-39`

Property Details

APN / Parcel Number

Primary APN	`038-073-39`
Alternative APN	`038-073-39-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	1,006 sqft Living Area

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Construction Type	Wood
Roof Material	Other
Lot Area	2,831 sqft (0.065 acres)
Garage Type	Carport
Garage Area	238 sqft
Carport	Carport
Carport Area	238 sqft
Parking Spaces	1 Parking Space
Deck Area	392 sqft
Patio Area	392 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	524 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	4
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	524 LAVERNE AVE, APTOS, CA 95003-3795
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2022	Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB
Mar 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Aug 8, 2017	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2013 · Amount on Record
Deed Sale	Aug 22, 2013 · Amount on Record
Prior Sale	Mar 17, 2005 · Amount on Record
Deed Document Number	201342336
Prior Transfer Date	Nov 19, 1993
Prior Transfer Doc	0000089081
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	524 LAVERNE AVE, APTOS, CA 95003-3795
Transaction Type	Mortgage
Record Updated	Oct 5, 2022
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 LAVERNE AVE, APTOS, CA 95003-3795

Mortgage

Document Number	0000026300
Date	Sep 21, 2022
Instrument	2022-0026300

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	524 LAVERNE AVE, APTOS, CA 95003-3795
Transaction Type	Mortgage
Record Updated	Apr 2, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 LAVERNE AVE, APTOS, CA 95003-3795

Mortgage

Document Number	0000015969
Date	Mar 18, 2021
Instrument	2021-0015969

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	524 LAVERNE AVE, APTOS, CA 95003-3795
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000026162
Date	Aug 8, 2017
Instrument	2017-0026162

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 28, 2047

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		$596,432 (+2%) Land $417,502 Building $178,930
2025	$8,140.00 (+8.24%) Homeowner's exemption	$584,737 (+4.04%) Land $409,316 Building $175,421
2024	$7,520.00 (+2.45%)
2023	$7,340.00 (+1.4%) Homeowner's exemption	$562,031 Land $393,422 Building $168,609	$779,310
2022	$7,239.00

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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