532 Moonrise Ln, Aptos, CA 95003 Property Records

Santa Cruz County property record for 532 Moonrise Ln, Aptos, CA 95003

Property Summary

Property Type	Recreational Vacant Land
Details	4 bd · 3 ba · 3,695 sqft · built 1978
Lot Size	1.45 acres (63,380 sqft)
Owner	Individual Name on File
Last Sale	$1,319,000 (Mar 2022)
Tax Bill	$17,428 (2025)
Deeds & Mortgages	Apr 2023 Second Mortgage Nov 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`040-221-28`

Property Details

APN / Parcel Number

Primary APN	`040-221-28`
Alternative APN	`040-221-28-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Building Area	3,695 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1987
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	63,380 sqft
Terrain	Steep
View / Lot	Ocean
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Deck Area	1,155 sqft
Patio Area	1,155 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	532 MOONRISE LN
City	APTOS
State	CA
Zip	95003-3464
Property Category	Public Works
Property Type	Public Works > Recreational Vacant Land
Local Zoning Code	R-1-1AC
Legal Subdivision	PM29 1
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1016
Census Tract	122002

Owner

532 Moonrise Ln, recreational vacant land, is owned and occupied by an individual who bought it in March 2022.

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

Owner of Record	Individual Name on File
Mailing Address	532 MOONRISE LN, APTOS, CA 95003-3464
Occupancy	Owner Occupied
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
Apr 26, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FUNDLOANS CAPITAL
Nov 29, 2022	Deed of Trust, Mortgage · Conventional Mortgage WALL STREET MORTGAGE BANKERS LTD
Jun 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage NICHOLAS JOUTZ ETAL
Sep 13, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DANEIO LLC
Mar 30, 2022	Grant Deed, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
Mar 30, 2022	Intrafamily Transfer, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 30, 2022 · Amount on File
Deed Sale	Mar 30, 2022 · Amount on File
Deed Document Number	202210314
Prior Transfer Date	Mar 28, 2022
Prior Transfer Doc	0000010315
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	532 MOONRISE LN, APTOS, CA 95003-3464
Transaction Type	Mortgage
Record Updated	May 10, 2023
Title Company	TICOR TITLE ORANGE COUNTY BR, TICOR TTL ORANGE CNTY BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	532 MOONRISE LN, APTOS, CA 95003-3464

Mortgage

Document Number	0000007243
Date	Apr 26, 2023
Instrument	2023-0007243

Lender

Name	FUNDLOANS CAPITAL
Address	SAN DIEGO, CA 92130

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	532 MOONRISE LN, APTOS, CA 95003-3464
Transaction Type	Mortgage
Record Updated	Dec 14, 2022
Title Company	TICOR TTL ORANGE CNTY BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	532 MOONRISE LN, APTOS, CA 95003-3464

Mortgage

Document Number	0000031734
Date	Nov 29, 2022
Instrument	2022-0031734

Lender

Name	WALL STREET MORTGAGE BANKERS LTD
Type	Mortgage Company
Address	GREAT NECK, NY 11021

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	481 Months
Due	Dec 1, 2062

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	532 MOONRISE LN, APTOS, CA 95003-3464
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	532 MOONRISE LN, APTOS, CA 95003-3464

Mortgage

Document Number	0000018106
Date	Jun 14, 2022
Instrument	2022-0018106

Lender

Name	NICHOLAS JOUTZ ETAL
Type	Private Party
Address	100 SPECTRUM CENTER DR STE 150, IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	13 Months
Due	Jul 1, 2023

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	532 MOONRISE LN, APTOS, CA 95003-3464
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	532 MOONRISE LN, APTOS, CA 95003-3464

Mortgage

Document Number	0000025728
Date	Sep 13, 2022
Instrument	2022-0025728

Lender

Name	DANEIO LLC
Type	Non-Lending Institution
Address	IRVINE, CA 92618

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	13 Months
Due	Oct 1, 2023

March 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 30, 2022
Property Address	532 MOONRISE LN, APTOS, CA 95003-3464
Document Number	0000010314
Map Reference	VOL 29 PG 1
Instrument Date	Mar 28, 2022
Instrument	2022-0010314
Transaction Type	Transfer
Record Updated	Apr 12, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$1,450.90
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	532 MOONRISE LN, APTOS, CA 95003-3464

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 30, 2022
Property Address	532 MOONRISE LN, APTOS, CA 95003-3464
Document Number	0000010315
Map Reference	VOL 29 PG 1
Instrument Date	Mar 28, 2022
Instrument	2022-0010315
Transaction Type	Transfer
Record Updated	Apr 12, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN 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
Address	532 MOONRISE LN, APTOS, CA 95003-3464

Tax Assessment & Valuation

The 2025 property tax bill for 532 Moonrise Ln was $17,428, up 7.6% 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		$1,427,198 (+2%) Land $967,164 Building $460,034
2025	$17,428.00 (+7.63%)	$1,399,213 Land $948,200 Building $451,013
2024	$16,192.00 (+1.91%)
2023	$15,889.00 (+83.41%)	$1,344,880 Land $911,380 Building $433,500	$1,302,030
2022	$8,663.00

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

Flood

FEMA maps place 532 Moonrise Ln in Zone X, an area of minimal flood risk, though there have been 7 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	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

Wildfire risk around 532 Moonrise Ln is moderate, ranking above 46% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · lower than 72% of California
Wildfire Likelihood	0.1% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TROUT GULCH MUTUAL WATER COMPANY private · serves 614 people · EPA ID CA4400502
Water Source	Groundwater
Last State Inspection	Jul 2024
Also Mapped Here	SOQUEL CREEK WATER DISTRICT
Lead	4 ppb (2025–2027) 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 151 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: AT&T, Cruzio, Surfnet Communications, T-Mobile, Verizon.

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