538 Cuesta Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 538 Cuesta Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,002 sqft · built 1978
Lot Size	0.321 acres (13,983 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,274,000 (Nov 2025)
Tax Bill	$5,508 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage May 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`044-261-49`

Property Details

APN / Parcel Number

Primary APN	`044-261-49`
Alternative APN	`044-261-49-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	2,002 sqft Living Area
Gross Area	2,530 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	13,983 sqft (0.321 acres)
Terrain	Steep
View / Lot	Ocean
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	477 sqft
Patio Area	477 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	538 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 Subdivision	RIO DEL MAR CC PROPS 11
Legal Block	109
Legal Lot Number	10
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	2 Individual Names on Record
Mailing Address	1235 SCHOLL LN, SANTA CRUZ, CA 95062-4067
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Nov 25, 2025	Grant Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
May 20, 2022	Correction Deed STEWART TITLE, STEWART TITLE OF CA INC
Feb 18, 2022	Intrafamily Transfer, Transfer
May 20, 2022	Correction Deed

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 25, 2025 · Amount on Record
Deed Sale	Nov 25, 2025 · Amount on Record
Deed Document Number	202525390
Prior Transfer Date	Feb 10, 2022
Prior Transfer Doc	0000015993
Record Updated	Sep 20, 2026

November 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 25, 2025
Property Address	538 CUESTA DR, APTOS, CA 95003-5504
Document Number	0000025390
Map Reference	MB 26 PG 15
Instrument Date	Nov 18, 2025
Instrument	2025-0025390
Transaction Type	Transfer
Record Updated	Dec 11, 2025
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,401.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	1235 SCHOLL LN, SANTA CRUZ, CA 95062-4067

Mortgage

Document Number	0000025391
Date	Nov 25, 2025
Instrument	2025-0025391

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

May 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 20, 2022
Property Address	538 CUESTA DR, APTOS, CA 95003-5504
Document Number	0000015993
Map Reference	MB 26 PG 15
Instrument Date	May 12, 2022
Instrument	2022-0015993
Record Updated	May 31, 2022
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	538 CUESTA DR, APTOS, CA 95003-5504

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 18, 2022
Property Address	538 CUESTA DR, APTOS, CA 95003-5504
Document Number	0000005644
Map Reference	MB 26 PG 15
Instrument Date	Feb 10, 2022
Instrument	2022-0005644
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	538 CUESTA DR, APTOS, CA 95003-5504

May 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 20, 2022
Property Address	538 CUESTA DR, APTOS, CA 95003-5504
Document Number	0000015994
Map Reference	MB 26 PG 15
Instrument Date	Feb 10, 2022
Instrument	2022-0015994
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 CUESTA DR, APTOS, CA 95003-5504

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		$1,274,000 (+269.47%) Land $891,800 Building $382,200
2025	$5,508.00 (+13.68%)	$344,822 (+4.04%) Land $152,354 Building $192,468
2023	$4,845.00 (+2.84%) Homeowner's exemption	$331,431 Land $146,437 Building $184,994	$1,011,870
2022	$4,711.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 64% of the US · lower than 79% of California
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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

Nearby Properties on Cuesta Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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