534 Cuesta Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 534 Cuesta Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 2,417 sqft · built 1955
Lot Size	0.335 acres (14,593 sqft)
Owner	Individual Name on Record
Last Sale	$985,000 (Feb 2014)
Tax Bill	$15,341 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit Oct 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`044-261-08`

Property Details

APN / Parcel Number

Primary APN	`044-261-08`
Alternative APN	`044-261-08-000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	2,417 sqft Living Area
Gross Area	2,946 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Construction Type	Wood
Roof Material	Other
Lot Area	14,593 sqft (0.335 acres)
View / Lot	Ocean
Garage Type	Attached
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces
Deck Area	989 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	534 CUESTA DR
City	APTOS
State	CA
Zip	95003-5504
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10
Legal Description	TR 11
Legal Subdivision	RIO DEL MAR 11 TR 11
Legal Tract	11
Legal Block	109
Legal Lot Number	12
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1010
Census Tract	122202

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	Individual Name on Record
Mailing Address	534 CUESTA DR, APTOS, CA 95003-5504
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2021	Correction Deed · Line of Credit SANTA CRUZ COUNTY BANK
Oct 12, 2021	Intrafamily Transfer, Transfer AMROCK INC
Oct 12, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Jun 21, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2014 · Amount on Record
Deed Sale	Feb 28, 2014 · Amount on Record
Prior Sale	Dec 29, 2011 · Amount on Record
Deed Document Number	20146897
Last Transfer Date	Oct 13, 2021
Transfer Doc	0000054645
Record Updated	Sep 20, 2026

November 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 2, 2021
Property Address	534 CUESTA DR, APTOS, CA 95003-5504
Document Number	0000054645
Map Reference	MB 26 PG 15
Instrument Date	Oct 13, 2021
Instrument	2021-0054645
Record Updated	Jun 7, 2023
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	534 CUESTA DR, APTOS, CA 95003-5504

Mortgage

Document Number	0000054646
Date	Nov 2, 2021
Instrument	2021-0054646

Lender

Name	SANTA CRUZ COUNTY BANK
Type	Bank
Address	SANTA CRUZ, CA 95061

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 12, 2021
Property Address	534 CUESTA DR, APTOS, CA 95003-5504
Document Number	0000051319
Map Reference	MB 26 PG 15
Instrument Date	Jul 8, 2021
Instrument	2021-0051319
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	AMROCK INC

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	Living Trust
Address	534 CUESTA DR, APTOS, CA 95003-5504

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 12, 2021
Property Address	534 CUESTA DR, APTOS, CA 95003-5504
Document Number	0000051317
Map Reference	MB 26 PG 15
Instrument Date	Jul 8, 2021
Instrument	2021-0051317
Transaction Type	Transfer
Record Updated	Oct 26, 2021
Title Company	AMROCK LLC

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	534 CUESTA DR, APTOS, CA 95003-5504

Mortgage

Document Number	0000051318
Date	Oct 12, 2021
Instrument	2021-0051318

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	118 Months
Due	Aug 1, 2031

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	534 CUESTA DR, APTOS, CA 95003-5504
Document Number	0000020799
Instrument Date	Jun 21, 2019
Transaction Type	Mortgage
Record Updated	Aug 6, 2019
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	534 CUESTA DR APTOS CA 950035504, APTOS, CA 95003-5504

Mortgage

Document Number	0000020799
Date	Jul 24, 2019
Instrument	20799

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		$1,246,053 (+2%) Land $862,138 Building $383,915
2025	$15,341.00 (+9.85%) Homeowner's exemption	$1,221,620 (+4.04%) Land $845,233 Building $376,387
2023	$13,966.00 (+2.11%) Homeowner's exemption	$1,174,184 Land $812,412 Building $361,772	$1,503,270
2022	$13,677.00

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

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	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

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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