Santa Cruz County property record for 528 Encino Dr, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,902 sqft · built 1980 |
| Lot Size | 0.444 acres (19,341 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $430,000 (May 2002) |
| Tax Bill | $8,140 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 044-361-12 |
| Primary APN | 044-361-12 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 1,902 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Construction Type | Wood |
| Roof Material | Wood Shingle |
| Lot Area | 19,341 sqft (0.444 acres) |
| Terrain | Steep |
| Deck Area | 492 sqft |
| Patio Area | 492 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 528 ENCINO DR |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-4860 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-10-SP |
| Legal Subdivision | DEER PARK VILLA SITES 01 |
| Legal Lot Number | 105 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 122202 |
Source: Santa Cruz County records · APN 044-361-12
Assessment roll updated August 19, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 528 ENCINO DR, APTOS, CA 95003-4860 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 31, 2002 · Amount on Record |
| Deed Sale | May 31, 2002 · Amount on Record |
| Prior Sale | Mar 29, 1996 · Amount on Record |
| Deed Document Number | 200239273 |
| Prior Transfer Date | Dec 18, 2001 |
| Prior Transfer Doc | 0000082514 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 528 ENCINO DR, APTOS, CA 95003-4860 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2021 |
| Title Company | AVENUE 365 LENDER SERVICES, AVENUE 365 LENDER |
| Name | Verified Name |
|---|---|
| Address | 528 ENCINO DR, APTOS, CA 95003-4860 |
| Document Number | 0000060806 |
|---|---|
| Date | Dec 16, 2021 |
| Instrument | 2021-0060806 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WASHINGTON, PA 19034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Sep 01, 2051 |
Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $647,948 (+2%) Land $376,712 Building $271,236 | ||
| 2025 | $8,140.00 (+13.35%) Homeowner's exemption | $635,244 (+4.04%) Land $369,326 Building $265,918 | |
| 2023 | $7,181.00 (+1.8%) Homeowner's exemption | $610,576 Land $354,984 Building $255,592 | $891,810 |
| 2022 | $7,054.00 |
Source: FEMA National Flood Hazard Layer as of July 10, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 80% of the US · lower than 88% of California |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 Internet, Etheric Communications, LLC., Surfnet Communications.
Based on FCC filings for 519 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SOQUEL CREEK WATER DISTRICT serves 40,962 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2023 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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