530 Flume Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 530 Flume Rd, Aptos, CA 95003

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 1,532 sqft · built 1968
Lot Size	2.85 acres (124,538 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,150,000 (Nov 2025)
Tax Bill	$2,611 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`105-141-22`

Property Details

APN / Parcel Number

Primary APN	`105-141-22`
Alternative APN	`105-141-22-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Building Area	1,532 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	124,538 sqft
Terrain	Steep
Deck Area	439 sqft
Patio Area	439 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	530 FLUME RD
City	APTOS
State	CA
Zip	95003-9549
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	A
Legal Subdivision	SOQUEL RHO
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1000
Census Tract	122002

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	131 ALTA VERDI DR, APTOS, CA 95003-4006
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2025	Grant Deed, Transfer · Conventional Mortgage CORNERSTONE FIRST MORTGAGE INC
Oct 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Nov 9, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2025 · Amount on Record
Deed Sale	Nov 17, 2025 · Amount on Record
Deed Document Number	202524617
Record Updated	Sep 20, 2026

November 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 17, 2025
Property Address	530 FLUME RD, APTOS, CA 95003-9549
Document Number	0000024617
Map Reference	VOL 1083 PG 101
Instrument Date	Nov 9, 2025
Instrument	2025-0024617
Transaction Type	Transfer
Record Updated	Dec 25, 2025
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,265.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	131 ALTA VERDI DR, APTOS, CA 95003-4006

Mortgage

Document Number	0000024618
Date	Nov 17, 2025
Instrument	2025-0024618

Lender

Name	CORNERSTONE FIRST MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	530 FLUME RD, APTOS, CA 95003-9549
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PREMIUM TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	530 FLUME RD, APTOS, CA 95003-9549

Mortgage

Document Number	0000044099
Date	Oct 27, 2020
Instrument	2020-0044099

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	530 FLUME RD, APTOS, CA 95003-9549
Document Number	0000034909
Instrument Date	Nov 9, 2018
Transaction Type	Mortgage
Record Updated	Dec 13, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	530 FLUME RD APTOS CA 950039549, APTOS, CA 95003-9549

Mortgage

Document Number	0000034909
Date	Nov 21, 2018
Instrument	34909

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		$1,142,400 (+853.02%) Land $918,000 Building $224,400
2025	$2,611.00 (+8.75%) Homeowner's exemption	$119,872 (+4.04%) Land $57,529 Building $62,343
2024	$2,401.00 (+2.56%)
2023	$2,341.00 (+3.04%) Homeowner's exemption	$115,217 Land $55,295 Building $59,922	$1,151,010
2022	$2,272.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	5 in force
Nearby Flood Claims	7 (1982–2000)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Feb 2000 · rainfall accumulation
Claims by Event	Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 2 claims

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	Moderate above 66% of the US · above 41% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Etheric Networks.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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