Santa Cruz County property record for 524 Saint Andrews Dr, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,905 sqft · built 1976 |
| Lot Size | 0.214 acres (9,322 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $1,050,000 (Mar 2016) |
| Tax Bill | $15,666 (2025) |
| Deeds & Mortgages | Jan 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 053-042-20 |
| Primary APN | 053-042-20 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 1,905 sqft Living Area |
| Gross Area | 2,466 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Construction Type | Wood |
| Roof Type | Sawtooth |
| Roof Material | Composition Shingle |
| Lot Area | 9,322 sqft (0.214 acres) |
| Terrain | Steep |
| Garage Type | Attached |
| Garage Area | 561 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 228 sqft |
| Patio Area | 228 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 524 SAINT ANDREWS DR |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-5423 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-10 |
| Legal Description | TRACT 581 LOT 349 |
| Legal Subdivision | COUNTRY CLUB PARK UN #15 TR #581 |
| Legal Tract | 581 |
| Legal Lot Number | 349 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 122203 |
524 Saint Andrews Dr is owner-occupied and held in a trust since September 2016.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 524 SAINT ANDREWS DR, APTOS, CA 95003-5423 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust, Living Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 17, 2016 · Amount on File |
| Deed Sale | Mar 17, 2016 · Amount on File |
| Prior Sale | Aug 24, 2012 · Amount on File |
| Deed Document Number | 20169128 |
| Last Transfer Date | Sep 6, 2016 |
| Transfer Doc | 0000033325 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 524 SAINT ANDREWS DR, APTOS, CA 95003-5423 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2022 |
| Title Company | CALIFORNIA TITLE COMPANY, CALIFORNIA MEMBERS TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 524 SAINT ANDREWS DR, APTOS, CA 95003-5423 |
| Document Number | 0000001485 |
|---|---|
| Date | Jan 14, 2022 |
| Instrument | 2022-0001485 |
| Name | FIRST ENTERTAINMENT CU |
|---|---|
| Type | Credit Union |
| Address | LOS ANGELES, CA 90068 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 524 Saint Andrews Dr was $15,666.
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,267,847 (+2%) Land $887,493 Building $380,354 | ||
| 2025 | $15,666.00 | $1,242,987 Land $870,091 Building $372,896 | |
| 2023 | $14,269.00 (+2.1%) | $1,194,721 Land $836,305 Building $358,416 | $1,475,460 |
| 2022 | $13,976.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 524 Saint Andrews Dr in Zone X, an area of minimal flood risk.
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 | 3 in force |
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 risk around 524 Saint Andrews Dr is low, with a 0.01% annual chance of 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.
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 |
| 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.
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.
5G (outdoors only) and 4G LTE
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