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528 Monterey Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 528 Monterey Dr, Aptos, CA 95003 · Last verified August 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms2 Beds
Bathrooms2 Baths
Year BuiltBuilt 1973
Square Footage2,280 sqft Living Area
Lot Size5,053 sqft (0.116 acres)
GarageAttached, 353 sqft
Last Sale$775,000 (2014)
Tax Bill$12,139.00 (2025)

Property Details

APN / Parcel Number

Primary APN044-222-14
Alternative APN
  • 044-222-14-000

Interior

Bedrooms2 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Building Area2,280 sqft Living Area
Gross Area2,633 sqft Gross Area
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 1973
Effective Year BuiltEffective 1973
Construction TypeWood Construction
Roof MaterialComposition Shingle Roof
Lot Area5,053 sqft (0.116 acres)
Parking Spaces1 Parking Spaces
Garage TypeAttached Garage
Garage Area353 sqft Garage
Deck Area325 sqft Deck
Patio Area325 sqft Patio
TopographySteep Topography

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemCentral Heating
SewageMunicipal Sewage
Water SourceCommercial Water Source

Location & Zoning

Street Address528 MONTEREY DR
CityAPTOS
StateCA
Zip95003-4812
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal SubdivisionAPTOS BCH CNTRY CLB PROP 01
Legal Block2
Legal Lot Number14
JurisdictionSANTA CRUZ CA
Minor Civil DivisionSANTA CRUZ
Census Blockgroup1
Census Block1006
Census Tract122202

Owner

Source: Santa Cruz County records · APN 044-222-14

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 Record2 Trust Names on File
Mailing Address112 CHERRYSTONE CT, LOS GATOS, CA 95032-3554
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingOwner is a Trust, Living Trust

Deeds, Mortgages & Sale History

DateDocument
Sep 16, 2021Deed of Trust, Mortgage · Conventional Mortgage
ROCKET MORTGAGE LLC
Oct 30, 2019Deed of Trust, Mortgage · Conventional Mortgage
WELLS FARGO BANK NA
Jan 30, 2018Deed of Trust, Mortgage · Conventional Mortgage
BANK OF AMERICA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 20, 2014 · Amount on Record
Deed SaleNov 20, 2014 · Amount on Record
Prior SaleJun 14, 2006 · Amount on Record
Deed Doc Number201439231
Prior Transfer DateSep 12, 2012
Prior Transfer Doc0000045285
Record RefreshedSep 20, 2026

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address528 MONTEREY DR, APTOS, CA 95003-4812
Transaction TypeMortgage
Record UpdatedSep 28, 2021
Title CompanyAMROCK INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address112 CHERRYSTONE CT, LOS GATOS, CA 95032-3554

Mortgage

Document Number0000047593
DateSep 16, 2021
Instrument2021-0047593
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2051
Interest
Rate TypeAdjustable Rate
Rate1.7%
Type Change DateOct 01, 2026
Change Frequency6 Months
Min Rate At Change3%
Max Rate At Change3.7%
IndexOther
Margin3
Max Rate6.7%

October 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address528 MONTEREY DR, APTOS, CA 95003-4812
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyORANGE COAST TITL

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000033616
DateOct 30, 2019
Instrument2019-0033616
Lender
NameWELLS FARGO BANK NA
TypeBank
AddressSIOUX FALLS, SD 57104
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2049
Interest
Rate TypeAdjustable Rate
Rate2.62%
Type Change DateNov 01, 2026
Change FrequencyAnnually
Min Rate At Change2.25%
Max Rate At Change4.62%
Index1-Year LIBOR
Max Rate7.62%

January 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address528 MONTEREY DR, APTOS, CA 95003-4812
Document Number0000002965
Instrument DateJan 30, 2018
Transaction TypeMortgage
Record UpdatedMar 06, 2018
Title CompanyOLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address112 CHERRYSTONE CT LOS GATOS CA 950323554, LOS GATOS, CA 95032-3554

Mortgage

Document Number0000002965
DateJan 30, 2018
Instrument2965
Lender
NameBANK OF AMERICA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 29, 2048
Interest
Rate TypeAdjustable Rate
Rate3.37%

Tax Assessment & Valuation

Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
Unified School DistrictPajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2026$950,063 (+2%) Land $570,038 Building $380,025
2025$12,139.00 (+10.12%)$931,435 (+4.04%) Land $558,861 Building $372,574
2023$11,023.00 (+2.21%)$895,265 Land $537,159 Building $358,106$1,171,170
2022$10,785.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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