536 Monterey Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 536 Monterey Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,223 sqft · built 1966
Lot Size	0.142 acres (6,186 sqft)
Owner	2 Individual Names on Record
Last Sale	$201,000 (Sep 2017)
Tax Bill	$16,397 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Jun 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`044-222-18`

Property Details

APN / Parcel Number

Primary APN	`044-222-18`
Alternative APN	`044-222-18-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Building Area	2,223 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Construction Type	Wood
Roof Material	Other
Lot Area	6,186 sqft (0.142 acres)
Terrain	Steep
Deck Area	222 sqft
Patio Area	222 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	536 MONTEREY DR, A
City	APTOS
State	CA
Zip	95003-4812
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-5
Legal Subdivision	APTOS BEACH CC PROPERTIES 01
Legal Block	2
Legal Lot Number	18
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1006
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	2 Individual Names on Record
Mailing Address	536 MONTEREY DR, APTOS, CA 95003-4812
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Jun 10, 2019	Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB
Sep 12, 2017	Grant Deed, Transfer OPES ADVISORS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2017 · Amount on Record
Deed Sale	Sep 12, 2017 · Amount on Record
Prior Sale	May 11, 2005 · Amount on Record
Deed Document Number	201730272
Prior Transfer Date	Aug 1, 1994
Prior Transfer Doc	0000055275
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	536 MONTEREY DR, APTOS, CA 95003-4812
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TIT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	536 MONTEREY DR, APTOS, CA 95003-4812

Mortgage

Document Number	0000034929
Date	Sep 8, 2020
Instrument	2020-0034929

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	536 MONTEREY DR, APTOS, CA 95003-4812
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015705
Date	Jun 10, 2019
Instrument	2019-0015705

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 12, 2017
Property Address	536 MONTEREY DR, APTOS, CA 95003-4812
Document Number	0000030272
Instrument Date	Aug 29, 2017
Instrument	30272
Transaction Type	Transfer
Record Updated	Oct 17, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$221.00
Amount Accuracy	Partial
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	536 MONTEREY DR APTOS CA 950034812, APTOS, CA 95003-4812

Mortgage

Document Number	30273
Date	Sep 12, 2017
Instrument	30273

Lender

Name	OPES ADVISORS
Address	TROY, MI 48098

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 11, 2047

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		$1,234,399 (+2%) Land $771,511 Building $462,888
2025	$16,397.00 (+10.24%) Homeowner's exemption	$1,210,195 (+4.04%) Land $756,384 Building $453,811
2023	$14,874.00 (+2.37%) Homeowner's exemption	$1,163,201 Land $727,012 Building $436,189	$1,263,150
2022	$14,530.00

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 and 4G LTE (outdoors only)

Nearby Properties on Monterey Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures