526 Monterey Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 526 Monterey Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,544 sqft · built 1966
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Trust Names on Record
Last Sale	$329,000 (Apr 1999)
Tax Bill	$7,361 (2025)
Deeds & Mortgages	Sep 2020 Transfer Sep 2020 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`044-392-12`

Property Details

APN / Parcel Number

Primary APN	`044-392-12`
Alternative APN	`044-392-12-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,544 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	7,492 sqft (0.172 acres)
Terrain	Steep
Garage Type	Carport
Garage Area	320 sqft
Carport	Carport
Carport Area	320 sqft
Parking Spaces	1 Parking Space
Deck Area	648 sqft
Patio Area	648 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	526 MONTEREY DR
City	APTOS
State	CA
Zip	95003-4812
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-5
Legal Description	MAP B1 994
Legal Subdivision	APTOS BEACH CC PROPS 01
Legal Lot Number	13,12
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1006
Census Tract	122202

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 Trust Names on Record
Mailing Address	526 MONTEREY DR, APTOS, CA 95003-4812
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2020	Quit Claim Deed, Transfer OTHER
Sep 3, 2020	Quit Claim Deed, Transfer OTHER
Feb 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Apr 13, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 1999 · Amount on Record
Deed Sale	Apr 6, 1999 · Amount on Record
Deed Document Number	199924094
Last Transfer Date	Sep 2, 2020
Transfer Doc	0000034513
Record Updated	Sep 20, 2026

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 3, 2020
Property Address	526 MONTEREY DR, APTOS, CA 95003-4812
Document Number	0000034514
Instrument Date	Sep 2, 2020
Instrument	34514
Transaction Type	Transfer
Record Updated	Sep 28, 2020
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	526 MONTEREY DR APTOS CA 950034812, APTOS, CA 95003-4812

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 3, 2020
Property Address	526 MONTEREY DR, APTOS, CA 95003-4812
Document Number	0000034513
Instrument Date	Sep 2, 2020
Instrument	34513
Transaction Type	Transfer
Record Updated	Sep 28, 2020
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	526 MONTEREY DR APTOS CA 950034812, APTOS, CA 95003-4812

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	526 MONTEREY DR, APTOS, CA 95003-4812
Document Number	0000006243
Instrument Date	Feb 19, 2020
Transaction Type	Mortgage
Record Updated	Mar 11, 2020
Title Company	AMROCK TITLE CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	526 MONTEREY DR APTOS CA 950034812, APTOS, CA 95003-4812

Mortgage

Document Number	0000006243
Date	Feb 24, 2020
Instrument	6243

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 23, 2050

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	526 MONTEREY DR, APTOS, CA 95003-4812
Document Number	0000014196
Instrument Date	Apr 13, 2017
Transaction Type	Mortgage
Record Updated	Aug 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	526 MONTEREY DR APTOS CA 950034812, APTOS, CA 95003-4812

Mortgage

Document Number	0000014196
Date	Apr 28, 2017
Instrument	14196

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

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		$526,099 (+2%) Land $315,659 Building $210,440
2025	$7,361.00 (+11.14%) Homeowner's exemption	$515,784 (+4.04%) Land $309,470 Building $206,314
2023	$6,623.00 (+2.54%) Homeowner's exemption	$495,755 Land $297,453 Building $198,302	$1,036,620
2022	$6,459.00

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 and 4G LTE (outdoors only)

Nearby Properties on Monterey Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures