527 Monterey Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 527 Monterey Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,128 sqft · built 1971
Lot Size	0.123 acres (5,358 sqft)
Owner	Individual Name on Record
Last Sale	$815,000 (Jul 2017)
Tax Bill	$12,093 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Jul 2017 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`044-221-30`

Property Details

APN / Parcel Number

Primary APN	`044-221-30`
Alternative APN	`044-221-30-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Building Area	1,128 sqft Living Area
Gross Area	1,559 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Construction Type	Wood
Lot Area	5,358 sqft (0.123 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	431 sqft
Parking Spaces	2 Parking Spaces
Deck Area	60 sqft
Patio Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	527 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	DEER PARK VILLA SITES 02
Legal Lot Number	14
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1005
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	Individual Name on Record
Mailing Address	1901 14TH AVE, SAN FRANCISCO, CA 94116-1336
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST REPUBLIC BANK
Jul 27, 2017	Grant Deed, Transfer OLD REPUBLIC TITLE
Jul 27, 2017	Intrafamily Transfer, Transfer OLD REPUBLIC TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2017 · Amount on Record
Deed Sale	Jul 27, 2017 · Amount on Record
Prior Sale	Sep 29, 1995 · Amount on Record
Deed Document Number	201724593
Prior Transfer Date	Jul 24, 2017
Prior Transfer Doc	0000024594
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	527 MONTEREY DR, APTOS, CA 95003-4811
Transaction Type	Mortgage
Record Updated	Oct 5, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	527 MONTEREY DR, APTOS, CA 95003-4811

Mortgage

Document Number	0000026291
Date	Sep 20, 2022
Instrument	2022-0026291

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.45%
Type Change Date	Oct 1, 2029
Change Frequency	Monthly
Min Rate At Change	2.95%
Max Rate At Change	10.9%
Index	1-Year CMT
Max Rate	10.9%

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 27, 2017
Property Address	527 MONTEREY DR, APTOS, CA 95003-4811
Document Number	0000024593
Instrument Date	Jul 24, 2017
Instrument	24593
Transaction Type	Transfer
Record Updated	Apr 4, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Tax	$896.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1901 14TH AVE SAN FRANCISCO CA 941161336, SAN FRANCISCO, CA 94116-1336

July 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 27, 2017
Property Address	527 MONTEREY DR, APTOS, CA 95003-4811
Document Number	0000024594
Map Reference	MAP23 PG2
Instrument Date	Jul 24, 2017
Instrument	2017-0024594
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1901 14TH AVE, SAN FRANCISCO, CA 94116-1336

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		$945,878 (+2%) Land $756,702 Building $189,176
2025	$12,093.00 (+10.14%)	$927,331 (+4.04%) Land $741,865 Building $185,466
2023	$10,980.00 (+2.21%)	$891,321 Land $713,057 Building $178,264	$1,028,610
2022	$10,743.00

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)

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