Santa Cruz County property record for 525 Monterey Dr, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,480 sqft · built 1972 |
| Lot Size | 0.114 acres (4,966 sqft) |
| Owner | Individual Name on File |
| Last Sale | $525,000 (Jun 2002) |
| Tax Bill | $10,298 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 044-221-31 |
| Primary APN | 044-221-31 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,480 sqft Living Area |
| Gross Area | 1,960 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Architectural Style | Conventional |
| Construction Type | Wood |
| Roof Material | Other |
| Lot Area | 4,966 sqft (0.114 acres) |
| Terrain | Steep |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 382 sqft |
| Patio Area | 382 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 525 MONTEREY DR |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-4811 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-5 |
| Legal Subdivision | DEERE PARK VILLA SITES 02 |
| Legal Block | 1 |
| Legal Lot Number | 15 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 122202 |
525 Monterey Dr is owned and occupied by an individual who bought it in June 2002.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 525 MONTEREY DR, APTOS, CA 95003-4811 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
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 | Name on Deed |
|---|---|
| Last Sale | Jun 28, 2002 · Amount on File |
| Deed Sale | Jun 28, 2002 · Amount on File |
| Deed Document Number | 200246658 |
| Prior Transfer Date | Mar 10, 1994 |
| Prior Transfer Doc | 0000018638 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 525 MONTEREY DR, APTOS, CA 95003-4811 |
| Transaction Type | Mortgage |
| Record Updated | Nov 2, 2021 |
| Title Company | WFT NATIONAL TITLE, WFG NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 525 MONTEREY DR, APTOS, CA 95003-4811 |
| Document Number | 0000052465 |
|---|---|
| Date | Oct 19, 2021 |
| Instrument | 2021-0052465 |
| Name | GOOGAIN INC |
|---|---|
| Type | Mortgage Company |
| Address | SUNNYVALE, CA 94086 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Nov 1, 2041 |
The 2025 property tax bill for 525 Monterey Dr was $10,298 with a homeowner's exemption.
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 | $791,100 (+2%) Land $489,728 Building $301,372 | ||
| 2025 | $10,298.00 Homeowner's exemption | $775,588 Land $480,126 Building $295,462 | |
| 2023 | $9,326.00 (+2.3%) Homeowner's exemption | $745,471 Land $461,482 Building $283,989 | $1,184,760 |
| 2022 | $9,116.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 525 Monterey Dr in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1982.
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 risk around 525 Monterey 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 and 4G LTE (outdoors only)
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