525 Siesta Dr, Aptos, CA 95003 Property Records

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

Property Summary

Property Type	Rural Home
Details	4 bd · 3.5 ba · 3,046 sqft · built 1980
Lot Size	1.48 acres (64,469 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (May 2018)
Tax Bill	$8,813 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Jul 2019 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`041-761-01`

Property Details

APN / Parcel Number

Primary APN	`041-761-01`
Alternative APNs	`041-761-01-000` `04120172000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Building Area	3,046 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	64,469 sqft
View / Lot	Mountain
Deck Area	466 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Old Parcel Number	04120172000
Street Address	525 SIESTA DR
City	APTOS
State	CA
Zip	95003-4048
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R-1-1AC
Legal Description	PARCEL MAPS 29 PG 23
Legal Subdivision	PM29 23
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2000
Census Tract	122204

Owner

Source: Santa Cruz County records, as of August 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	525 SIESTA DR, APTOS, CA 95003-4048
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2026	Deed of Trust, Mortgage · Line of Credit WEST COAST COMMUNITY BANK
Jul 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE HOME MORTGAGE LLC
Apr 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE HOME MORTGAGE LLC
Jul 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage CHANGE LENDING LLC
May 1, 2018	Grant Deed, Transfer COMMERCE MORTGAGE
May 1, 2018	Affidavit of Death, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2018 · Amount on Record
Deed Sale	May 1, 2018 · Amount on Record
Prior Sale	Jul 16, 1997 · Amount on Record
Deed Document Number	201813143
Prior Transfer Date	Apr 26, 2018
Prior Transfer Doc	0000013143
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	525 SIESTA DR, APTOS, CA 95003-4048
Transaction Type	Mortgage
Record Updated	Jan 22, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 SIESTA DR, APTOS, CA 95003-4048

Mortgage

Document Number	0000000222
Date	Jan 6, 2026
Instrument	2026-0000222

Lender

Name	WEST COAST COMMUNITY BANK
Type	Bank
Address	SANTA CRUZ, CA 95060

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	525 SIESTA DR, APTOS, CA 95003-4048
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	OLD REPUBLIC TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021220
Date	Jul 26, 2019
Instrument	2019-0021220

Lender

Name	COMMERCE HOME MORTGAGE LLC
Type	Mortgage Company
Address	APTOS, CA 95003

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	525 SIESTA DR, APTOS, CA 95003-4048
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013545
Date	Apr 20, 2020
Instrument	2020-0013545

Lender

Name	COMMERCE HOME MORTGAGE LLC
Type	Mortgage Company
Address	IRVINE, CA 92606

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	525 SIESTA DR, APTOS, CA 95003-4048
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 SIESTA DR, APTOS, CA 95003-4048

Mortgage

Document Number	0000038072
Date	Jul 19, 2021
Instrument	2021-0038072

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company
Address	IRVINE, CA 92606

Agreement

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

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 1, 2018
Property Address	525 SIESTA DR, APTOS, CA 95003-4048
Document Number	0000013143
Instrument Date	Apr 26, 2018
Instrument	13143
Transaction Type	Transfer
Record Updated	Nov 21, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$149.00
Amount Accuracy	Full Value

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	525 SIESTA DR APTOS CA 950034048, APTOS, CA 95003-4048

Mortgage

Document Number	13144
Date	May 1, 2018
Instrument	13144

Lender

Name	COMMERCE MORTGAGE
Type	Bank
Address	SAN RAMON, CA 94583

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 30, 2048

May 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SANTA CRUZ CA
Recording Date	May 1, 2018
Property Address	525 SIESTA DR, APTOS, CA 95003-4048
Document Number	0000013142
Instrument Date	Apr 26, 2018
Instrument	13142
Transaction Type	Transfer
Record Updated	May 31, 2018
Title Company	FIRST AMERICAN TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 SIESTA DR APTOS CA 950034048, APTOS, CA 95003-4048

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		$740,767 (+2%) Land $390,895 Building $349,872
2025	$8,813.00 (+10.42%)	$726,243 (+4.04%) Land $383,231 Building $343,012
2023	$7,981.00 (+1.82%)	$698,041 Land $368,349 Building $329,692	$1,608,840
2022	$7,838.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 62% of the US · lower than 77% of California
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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 221 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

May also be available: Cruzio, Etheric Networks, Surfnet Communications.

Cell Coverage

4G LTE only, no 5G reported

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