538 Seacliff Dr, Aptos, CA 95003 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,360 sqft · built 1964
Lot Size	0.105 acres (4,574 sqft)
Owner	Individual Name on Record
Last Sale	$1,050,000 (Sep 2019)
Tax Bill	$14,586 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Sep 2019 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`038-172-31`

Property Details

APN / Parcel Number

Primary APN	`038-172-31`
Alternative APN	`038-172-31-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,360 sqft Living Area
Gross Area	1,654 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 2017
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	4,574 sqft (0.105 acres)
Garage Type	Attached
Garage Area	294 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	538 SEACLIFF DR
City	APTOS
State	CA
Zip	95003-3537
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-4
Legal Subdivision	SEACLIFF PARK 03
Legal Block	3
Legal Lot Number	14
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1020
Census Tract	122100

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	538 SEACLIFF DR, APTOS, CA 95003-3537
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage ON Q FINANCIAL INC
Sep 6, 2019	Grant Deed, Transfer · Conventional Mortgage ON Q FINANCIAL INC
Jan 12, 2018	Grant Deed, Transfer OLD REPUBLIC TITLE
May 12, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
May 12, 2017	Affidavit of Death, Transfer ATTORNEY ONLY
May 12, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 6, 2019 · Amount on Record
Deed Sale	Sep 6, 2019 · Amount on Record
Prior Sale	Jan 12, 2018 · Amount on Record
Deed Document Number	201926586
Prior Transfer Date	May 12, 2017
Prior Transfer Doc	0000015771
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	538 SEACLIFF DR, APTOS, CA 95003-3537
Transaction Type	Mortgage
Record Updated	Aug 26, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 SEACLIFF DR, APTOS, CA 95003-3537

Mortgage

Document Number	0000042073
Date	Aug 11, 2021
Instrument	2021-0042073

Lender

Name	ON Q FINANCIAL INC
Type	Funding / Finance Company
Address	TEMPE, AZ 85281

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 6, 2019
Property Address	538 SEACLIFF DR, APTOS, CA 95003-3537
Document Number	0000026586
Map Reference	MB 18 PG 59
Instrument Date	Aug 29, 2019
Instrument	2019-0026586
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 SEACLIFF DR, APTOS, CA 95003-3537

Mortgage

Document Number	0000026587
Date	Sep 6, 2019
Instrument	2019-0026587

Lender

Name	ON Q FINANCIAL INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 12, 2018
Property Address	538 SEACLIFF DR, APTOS, CA 95003-3537
Document Number	0000001158
Instrument Date	Jan 10, 2018
Instrument	1158
Transaction Type	Transfer
Record Updated	Jan 31, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Tax	$1,100.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	538 SEACLIFF DR APTOS CA 950033537, APTOS, CA 95003-3537

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 12, 2017
Property Address	538 SEACLIFF DR, APTOS, CA 95003-3537
Document Number	0000015771
Instrument Date	May 12, 2017
Instrument	15771
Transaction Type	Transfer
Record Updated	May 22, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	512 SAINT ANDREWS DR APTOS CA 950035423, APTOS, CA 95003-5423

May 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SANTA CRUZ CA
Recording Date	May 12, 2017
Property Address	538 SEACLIFF DR, APTOS, CA 95003-3537
Document Number	0000015770
Instrument Date	May 12, 2017
Instrument	15770
Transaction Type	Transfer
Record Updated	May 22, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	512 SAINT ANDREWS DR APTOS CA 950035423, APTOS, CA 95003-5423

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 12, 2017
Property Address	538 SEACLIFF DR, APTOS, CA 95003-3537
Document Number	0000015772
Instrument Date	May 12, 2017
Instrument	15772
Transaction Type	Transfer
Record Updated	May 22, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	512 SAINT ANDREWS DR APTOS CA 950035423, APTOS, CA 95003-5423

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		$1,171,295 (+2%) Land $878,471 Building $292,824
2025	$14,586.00 (+9.89%)	$1,148,328 (+4.04%) Land $861,246 Building $287,082
2023	$13,273.00 (+2.12%)	$1,103,737 Land $827,803 Building $275,934	$1,089,540
2022	$12,997.00

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
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 23 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	12 (1982–2023)
Claims Outside the SFHA	1 of 12
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 6 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 3 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

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 514 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
Starlink Satellite	280 / 30
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Cruzio, GeoLinks, Verizon.

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