528 Cuesta Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 528 Cuesta Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,983 sqft · built 1966
Lot Size	0.146 acres (6,360 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,100,000 (Jun 2023)
Tax Bill	$26,310 (2025)
Deeds & Mortgages	Jun 2023 Sale Sep 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`044-261-31`

Property Details

APN / Parcel Number

Primary APN	`044-261-31`
Alternative APN	`044-261-31-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,983 sqft Living Area
Gross Area	2,423 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 2024
Architectural Style	Contemporary
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	6,360 sqft (0.146 acres)
Terrain	Steep
View / Lot	Ocean
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Deck Area	269 sqft
Patio Area	269 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	528 CUESTA DR
City	APTOS
State	CA
Zip	95003-5504
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10
Legal Description	TRACT 11 BLK 109 LOT 15
Legal Subdivision	RIO DEL MAR CC PROP SUB11 TR11
Legal Tract	11
Legal Block	109
Legal Lot Number	15
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1010
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 Individual Names on Record
Mailing Address	21334 TOLL GATE RD, SARATOGA, CA 95070-5714
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2023	Grant Deed, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY
Sep 1, 2021	Deed of Trust, Mortgage · Line of Credit BAY FCU
May 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2023 · Amount on Record
Deed Sale	Jun 28, 2023 · Amount on Record
Prior Sale	May 6, 2014 · Amount on Record
Deed Document Number	202311664
Record Updated	Sep 20, 2026

June 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 28, 2023
Property Address	528 CUESTA DR, APTOS, CA 95003-5504
Document Number	0000011664
Map Reference	MB 26 PG 15
Instrument Date	Jun 23, 2023
Instrument	2023-0011664
Transaction Type	Transfer
Record Updated	Jul 14, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$2,310.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	21334 TOLL GATE RD, SARATOGA, CA 95070-5714

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	528 CUESTA DR, APTOS, CA 95003-5504
Transaction Type	Mortgage
Record Updated	Sep 23, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TIT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 CUESTA DR, APTOS, CA 95003-5504

Mortgage

Document Number	0000045371
Date	Sep 1, 2021
Instrument	2021-0045371

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Oct 15, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	528 CUESTA DR, APTOS, CA 95003-5504
Transaction Type	Mortgage
Record Updated	Jun 11, 2021
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 CUESTA DR, APTOS, CA 95003-5504

Mortgage

Document Number	0000029082
Date	May 24, 2021
Instrument	2021-0029082

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

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

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		$2,244,857 (+2.75%) Land $1,337,122 Building $907,735
2025	$26,310.00 (+100.58%)	$2,184,840 (+99.39%) Land $1,310,904 Building $873,936
2023	$13,117.00 (+2.13%) Homeowner's exemption	$1,095,783 (+2%) Land $767,048 Building $328,735	$1,839,420
2022	$12,843.00 Homeowner's exemption	$1,074,297 Land $752,008 Building $322,289

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 (outdoors only) and 4G LTE

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