531 Cuesta Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 531 Cuesta Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,586 sqft · built 1970
Lot Size	0.276 acres (12,023 sqft)
Owner	Individual Name on File
Last Sale	$1,080,000 (Sep 2019)
Tax Bill	$14,962 (2025)
Deeds & Mortgages	May 2026 Line of Credit Mar 2023 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`044-251-28`

Property Details

APN / Parcel Number

Primary APN	`044-251-28`
Alternative APN	`044-251-28-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	2,586 sqft Living Area
Gross Area	3,006 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Wood
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	12,023 sqft (0.276 acres)
Terrain	Steep
View / Lot	Ocean
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Deck Area	1,543 sqft
Patio Area	1,543 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	531 CUESTA DR
City	APTOS
State	CA
Zip	95003-5503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10
Legal Description	TRACT 11 BLK 108 LOT 18
Legal Subdivision	AS SHOWN ON MAP
Legal Tract	11
Legal Block	108
Legal Lot Number	18
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1007
Census Tract	122202

Owner

531 Cuesta Dr is owned and occupied by an individual who acquired it in March 2023.

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

Owner of Record	Individual Name on File
Mailing Address	531 CUESTA DR, APTOS, CA 95003-5503
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
May 7, 2026	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK N A
Mar 29, 2023	Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage PATELCO CU
Feb 28, 2022	Deed of Trust, Mortgage · Line of Credit PATELCO CU
Aug 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Sep 6, 2019	Grant Deed, Transfer · ARM COMMERCE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 6, 2019 · Amount on File
Deed Sale	Sep 6, 2019 · Amount on File
Prior Sale	Feb 12, 1998 · Amount on File
Deed Document Number	201926528
Last Transfer Date	Mar 23, 2023
Transfer Doc	0000005423
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Recording Date	May 7, 2026
Property Address	531 CUESTA DR, APTOS, CA 95003-5503
Document Number	0000010370
Instrument Date	Apr 30, 2026
Instrument	202610370
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Investor	Possibly a Property Investor

Mortgage

Document Number	0000010370,
Date	May 7, 2026
Instrument	202610370

Lender

Name	JPMORGAN CHASE BANK N A

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 7, 2056

Interest

Rate	6.46%
Max Rate	-1%

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 29, 2023
Property Address	531 CUESTA DR, APTOS, CA 95003-5503
Document Number	0000005423
Map Reference	MB 26 PG 15
Instrument Date	Mar 23, 2023
Instrument	2023-0005423
Transaction Type	Transfer
Record Updated	Apr 12, 2023
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

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	Joint Tenants
Address	531 CUESTA DR, APTOS, CA 95003-5503
Investor	Possibly a Property Investor

Mortgage

Document Number	0000005424
Date	Mar 29, 2023
Instrument	2023-0005424

Lender

Name	PATELCO CU
Type	Credit Union

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2043

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	531 CUESTA DR, APTOS, CA 95003-5503
Transaction Type	Mortgage
Record Updated	Mar 23, 2022
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	531 LA CUESTA DR, SCOTTS VALLEY, CA 95066-4717

Mortgage

Document Number	0000006561
Date	Feb 28, 2022
Instrument	2022-0006561

Lender

Name	PATELCO CU
Type	Credit Union
Address	DUBLIN, CA 94568

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Mar 30, 2047

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Change Frequency	Monthly
Min Rate At Change	3%
Max Rate At Change	17%
Index	Other
Max Rate	17%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	531 CUESTA DR, APTOS, CA 95003-5503
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029715
Date	Aug 6, 2020
Instrument	2020-0029715

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 6, 2019
Property Address	531 CUESTA DR, APTOS, CA 95003-5503
Document Number	0000026528
Map Reference	MB 26 PG 15
Instrument Date	Aug 16, 2019
Instrument	2019-0026528
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	531 CUESTA DR, APTOS, CA 95003-5503
Investor	Possibly a Property Investor

Mortgage

Document Number	0000026529
Date	Sep 6, 2019
Instrument	2019-0026529

Lender

Name	COMMERCE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.88%
Type Change Date	Oct 1, 2024
Change Frequency	Annually
Min Rate At Change	5.88%
Max Rate At Change	7.88%
Index	1-Year LIBOR
Max Rate	10.8%

Tax Assessment & Valuation

The 2025 property tax bill for 531 Cuesta Dr was $14,962, up 7.7% 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		$1,204,760 (+2%) Land $722,856 Building $481,904
2025	$14,962.00 (+7.71%)	$1,181,138 Land $708,683 Building $472,455
2024	$13,891.00 (+1.99%)
2023	$13,620.00 (+2.11%)	$1,135,274 Land $681,164 Building $454,110	$1,507,590
2022	$13,339.00

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

Flood

FEMA maps place 531 Cuesta Dr in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1982.

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

Wildfire risk around 531 Cuesta 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 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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