525 Cuesta Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 525 Cuesta Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,000 sqft · built 1966
Lot Size	0.212 acres (9,235 sqft)
Owner	Individual Name on Record
Last Sale	$1,125,000 (Mar 2016)
Tax Bill	$16,665 (2025)
Deeds & Mortgages	May 2021 Mortgage May 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`044-251-35`

Property Details

APN / Parcel Number

Primary APN	`044-251-35`
Alternative APN	`044-251-35-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,000 sqft Living Area
Gross Area	2,480 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Contemporary
Construction Type	Wood
Roof Material	Other
Lot Area	9,235 sqft (0.212 acres)
Terrain	Steep
View / Lot	Ocean
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Deck Area	763 sqft
Patio Area	763 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	525 CUESTA DR
City	APTOS
State	CA
Zip	95003-5503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10
Legal Description	TR 11
Legal Subdivision	RIO DEL MAR CNTRY 11 TR 11
Legal Tract	11
Legal Block	108
Legal Lot Number	21
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1007
Census Tract	122202

Owner

Source: Santa Cruz County records, as of August 24, 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	525 CUESTA DR, APTOS, CA 95003-5503
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
May 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
May 2, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 29, 2016 · Amount on Record
Deed Sale	Mar 29, 2016 · Amount on Record
Deed Document Number	201610514
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	525 CUESTA DR, APTOS, CA 95003-5503
Transaction Type	Mortgage
Record Updated	May 27, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 CUESTA DR, APTOS, CA 95003-5503

Mortgage

Document Number	0000026882
Date	May 11, 2021
Instrument	2021-0026882

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	525 CUESTA DR, APTOS, CA 95003-5503
Document Number	0000013927
Instrument Date	May 2, 2018
Transaction Type	Mortgage
Record Updated	Jun 1, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	525 CUESTA DR APTOS CA 950035503, APTOS, CA 95003-5503

Mortgage

Document Number	0000013927
Date	May 8, 2018
Instrument	13927

Lender

Name	BANK OF THE WEST
Type	Bank
Address	CAPITOLA, CA 95010

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 7, 2048

Interest

Rate Type	Adjustable Rate

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		$1,358,408 (+2%) Land $1,020,315 Building $338,093
2025	$16,665.00 (+9.73%)	$1,331,772 (+4.04%) Land $1,000,309 Building $331,463
2023	$15,187.00 (+2.07%)	$1,280,058 Land $961,466 Building $318,592	$1,526,400
2022	$14,879.00

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
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	0.01% 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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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