526 Harriet Ave, Aptos, CA 95003 Property Records

Santa Cruz County property record for 526 Harriet Ave, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,452 sqft · built 1971
Lot Size	0.096 acres (4,182 sqft)
Owner	2 Company Names on Record
Last Sale	$1,281,000 (Mar 2025)
Tax Bill	$15,723 (2025)
Deeds & Mortgages	Jun 2026 Transfer Jun 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`038-074-20`

Property Details

APN / Parcel Number

Primary APN	`038-074-20`
Alternative APN	`038-074-20-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,452 sqft Living Area
Gross Area	1,889 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	4,182 sqft (0.096 acres)
Garage Type	Attached
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	526 HARRIET AVE
City	APTOS
State	CA
Zip	95003-3706
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-2.5
Legal Subdivision	MAR VISTA
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1011
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	2 Company Names on Record
Mailing Address	526 HARRIET AVE, APTOS, CA 95003-3706
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Correction Deed NONE LISTED ON DOCUMENT
Jun 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Nov 17, 2025	Intrafamily Transfer, Transfer
Aug 26, 2022	Grant Deed, Transfer FIRST AMERICAN TITLE
Jul 19, 2022	Grant Deed, Transfer · Commercial Mortgage NORTHERN CALIFORNIA MORTGAGE FUND X

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2025 · Amount on Record
Deed Sale	Mar 26, 2025 · Amount on Record
Prior Sale	Aug 26, 2022 · Amount on Record
Deed Document Number	20255840
Transfer Doc	0000004792
Record Updated	Sep 20, 2026

June 2026: Correction Deed

Document Type	Correction Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 30, 2026
Property Address	526 HARRIET AVE, APTOS, CA 95003-3706
Document Number	0000014865
Instrument Date	Jun 25, 2026
Instrument	202614865
Record Updated	Aug 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	526 HARRIET AVE, APTOS, CA 95003-3706

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 15, 2026
Property Address	526 HARRIET AVE, APTOS, CA 95003-3706
Document Number	0000013475
Instrument Date	May 15, 2026
Instrument	202613475
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust, 212
Address	526 HARRIET AVE, APTOS, CA 95003-3706

Mortgage

Document Number	0000013475,
Date	Jun 15, 2026
Instrument	202613475

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Jun 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 17, 2025
Property Address	526 HARRIET AVE, APTOS, CA 95003-3706
Document Number	0000024606
Map Reference	MB 25 PG 20
Instrument Date	Nov 17, 2025
Instrument	2025-0024606
Transaction Type	Transfer
Record Updated	Dec 25, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	526 HARRIET AVE, APTOS, CA 95003-3706

August 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 26, 2022
Property Address	526 HARRIET AVE, APTOS, CA 95003-3706
Document Number	0000024352
Map Reference	MB 25 PG 20
Instrument Date	Aug 23, 2022
Instrument	2022-0024352
Transaction Type	Transfer
Record Updated	Sep 8, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$488.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 96, APTOS, CA 95001-0096

July 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 19, 2022
Property Address	526 HARRIET AVE, APTOS, CA 95003-3706
Document Number	0000021145
Map Reference	MB 25 PG 20
Instrument Date	Jun 29, 2022
Instrument	2022-0021145
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,320.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	PO BOX 96, APTOS, CA 95001-0096

Mortgage

Document Number	0000021146
Date	Jul 19, 2022
Instrument	2022-0021146

Lender

Name	NORTHERN CALIFORNIA MORTGAGE FUND X
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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		$1,306,620 (+4.66%) Land $1,045,296 Building $261,324
2025	$15,723.00 (+647.65%)	$1,248,480 (+1,654.54%) Land $998,784 Building $249,696
2023	$2,103.00 (+4.26%)	$71,157 Land $19,356 Building $51,801	$985,320
2022	$2,017.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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