530 Seacliff Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 530 Seacliff Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,324 sqft · built 1970
Lot Size	0.096 acres (4,182 sqft)
Owner	2 Individual Names on File
Last Sale	$989,000 (Nov 2016)
Tax Bill	$15,952 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`038-172-29`

Property Details

APN / Parcel Number

Primary APN	`038-172-29`
Alternative APN	`038-172-29-000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	2,324 sqft Living Area
Gross Area	2,587 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Construction Type	Wood
Roof Material	Other
Lot Area	4,182 sqft (0.096 acres)
Garage Type	Attached
Garage Area	263 sqft
Parking Spaces	1 Parking Space
Deck Area	630 sqft
Patio Area	630 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	530 SEACLIFF DR
City	APTOS
State	CA
Zip	95003-3537
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-4
Legal Subdivision	SEACLIFF PARK 03
Legal Block	3
Legal Lot Number	12
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1020
Census Tract	122100

Owner

530 Seacliff Dr is owned by two individuals who acquired it in March 2022.

Source: Santa Cruz County records, as of August 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	22800 MIDPINE CT, LOS GATOS, CA 95033-8596
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Jan 10, 2017	Deed of Trust, Mortgage · ARM UBS BANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2016 · Amount on File
Deed Sale	Nov 18, 2016 · Amount on File
Prior Sale	Dec 28, 2004 · Amount on File
Deed Document Number	201645447
Last Transfer Date	Mar 4, 2022
Transfer Doc	0000009909
Record Updated	Sep 20, 2026

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 28, 2022
Property Address	530 SEACLIFF DR, APTOS, CA 95003-3537
Document Number	0000009909
Map Reference	MB 18 PG 59
Instrument Date	Mar 4, 2022
Instrument	2022-0009909
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	BNT TITLE COMPANY OF CA

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	530 SEACLIFF DR, APTOS, CA 95003-3537

Mortgage

Document Number	0000009910
Date	Mar 28, 2022
Instrument	2022-0009910

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.8%
Type Change Date	Apr 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.8%
Index	Other
Margin	3
Max Rate	7.8%

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	530 SEACLIFF DR, APTOS, CA 95003-3537
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000969
Date	Jan 10, 2017
Instrument	2017-0000969

Lender

Name	UBS BANK USA
Type	Bank
Address	SALT LAKE CITY, UT 84111

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Feb 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.62%
Index	1-Year LIBOR
Max Rate	8.62%

Tax Assessment & Valuation

The 2025 property tax bill for 530 Seacliff Dr was $15,952, up 7.5% from the year before.

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		$1,271,132 (+2%) Land $819,543 Building $451,589
2025	$15,952.00 (+7.46%)	$1,246,209 Land $803,474 Building $442,735
2024	$14,844.00 (+3.86%)
2023	$14,292.00 (+2.1%)	$1,197,817 Land $772,274 Building $425,543	$1,226,790
2022	$13,998.00

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

Flood

FEMA maps place 530 Seacliff Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 23 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	12 (1982–2023)
Claims Outside the SFHA	1 of 12
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 6 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 3 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

Wildfire risk around 530 Seacliff Dr is low, with a 0.01% annual chance of 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 514 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
Starlink Satellite	280 / 30
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Cruzio, GeoLinks, Verizon.

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