538 Monterey Dr, Aptos, CA 95003 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,957 sqft · built 1974
Lot Size	0.184 acres (8,015 sqft)
Owner	Trust Name on Record
Last Sale	$737,500 (Aug 2014)
Tax Bill	$11,551 (2025)
Deeds & Mortgages	Oct 2023 Transfer Oct 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`044-223-26`

Property Details

APN / Parcel Number

Primary APN	`044-223-26`
Alternative APN	`044-223-26-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	1,957 sqft Living Area
Gross Area	2,403 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	8,015 sqft (0.184 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	446 sqft
Parking Spaces	2 Parking Spaces
Deck Area	328 sqft
Patio Area	328 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	538 MONTEREY DR
City	APTOS
State	CA
Zip	95003-4812
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-8
Legal Subdivision	RIO DEL MAR CNTRY CLB S11 TR11
Legal Block	112
Legal Lot Number	14
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	Trust Name on Record
Mailing Address	538 MONTEREY DR, APTOS, CA 95003-4812
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2023	Affidavit of Death of Joint Tenant, Transfer
Oct 6, 2023	Intrafamily Transfer, Transfer
May 13, 2022	Intrafamily Transfer, Transfer
Jun 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 29, 2014 · Amount on Record
Deed Sale	Aug 29, 2014 · Amount on Record
Deed Document Number	201428628
Last Transfer Date	Sep 29, 2023
Transfer Doc	0000019089
Record Updated	Sep 20, 2026

October 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 6, 2023
Property Address	538 MONTEREY DR, APTOS, CA 95003-4812
Document Number	0000019089
Map Reference	MB 26 PG 15
Instrument Date	Aug 22, 2023
Instrument	2023-0019089
Transaction Type	Transfer
Record Updated	Oct 20, 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

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 6, 2023
Property Address	538 MONTEREY DR, APTOS, CA 95003-4812
Document Number	0000019096
Map Reference	MB 26 PG 15
Instrument Date	Aug 22, 2023
Instrument	2023-0019096
Transaction Type	Transfer
Record Updated	Oct 20, 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 MONTEREY DR, APTOS, CA 95003-4812

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	May 13, 2022
Property Address	538 MONTEREY DR, APTOS, CA 95003-4812
Document Number	0000015252
Map Reference	MB 26 PG 15
Instrument Date	May 13, 2022
Instrument	2022-0015252
Transaction Type	Transfer
Record Updated	May 25, 2022

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	Community Property with Right of Survivorship
Address	538 MONTEREY DR, APTOS, CA 95003-4812

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	538 MONTEREY DR, APTOS, CA 95003-4812
Transaction Type	Mortgage
Record Updated	Jul 6, 2021
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 MONTEREY DR, APTOS, CA 95003-4812

Mortgage

Document Number	0000033083
Date	Jun 16, 2021
Instrument	2021-0033083

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

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		$904,093 (+2%) Land $632,865 Building $271,228
2025	$11,551.00 (+10.24%) Homeowner's exemption	$886,364 (+4.04%) Land $620,455 Building $265,909
2023	$10,478.00 (+2.08%) Homeowner's exemption	$851,946 Land $596,362 Building $255,584	$1,103,130
2022	$10,264.00

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)

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