539 Humes Ave, Aptos, CA 95003 Property Records

Santa Cruz County property record for 539 Humes Ave, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,385 sqft · built 2020
Lot Size	0.115 acres (5,009 sqft)
Owner	2 Trust Names on File
Last Sale	$1,490,000 (Nov 2020)
Tax Bill	$19,764 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage Apr 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`044-211-23`

Property Details

APN / Parcel Number

Primary APN	`044-211-23`
Alternative APN	`044-211-23-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,385 sqft Living Area
Gross Area	2,841 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	5,009 sqft (0.115 acres)
Garage Type	Attached
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	539 HUMES AVE
City	APTOS
State	CA
Zip	95003-5221
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-5
Legal Subdivision	APTOS BEACH CC PROPS SUB #1
Legal Lot Number	24
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1013
Census Tract	122203

Owner

539 Humes Ave is owner-occupied and held in a trust since November 2020.

Source: Santa Cruz County records, as of August 19, 2026

Owner of Record	2 Trust Names on File
Mailing Address	539 HUMES AVE, APTOS, CA 95003-5221
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2020	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Apr 17, 2019	Quit Claim Deed, Transfer OLD REPUBLIC TITLE
Apr 17, 2019	Grant Deed, Construction Loan · Construction Mortgage LIGHTHOUSE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2020 · Amount on File
Deed Sale	Nov 16, 2020 · Amount on File
Prior Sale	May 19, 2016 · Amount on File
Deed Document Number	202048434
Prior Transfer Date	Mar 28, 2019
Prior Transfer Doc	0000009903
Record Updated	Sep 20, 2026

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 16, 2020
Property Address	539 HUMES AVE, APTOS, CA 95003-5221
Document Number	0000048434
Map Reference	MB 23 PG 1
Instrument Date	Nov 11, 2020
Instrument	2020-0048434
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
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
Relationship	Revocable Trust
Address	1743 LAURELWOOD DR, SAN JOSE, CA 95125-4952

Mortgage

Document Number	0000048435
Date	Nov 16, 2020
Instrument	2020-0048435

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 17, 2019
Property Address	539 HUMES AVE, APTOS, CA 95003-5221
Document Number	0000009903
Instrument Date	Mar 28, 2019
Instrument	9903
Transaction Type	Transfer
Record Updated	May 1, 2019
Title Company	OLD REPUBLIC TITLE

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	1518 ASCENSION DR SAN MATEO CA 944023613, SAN MATEO, CA 94402-3613

April 2019: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 17, 2019
Property Address	539 HUMES AVE, APTOS, CA 95003-5221
Document Number	0000009904
Map Reference	MB 23 PG 1
Instrument Date	Mar 28, 2019
Instrument	2019-0009904
Transaction Type	Construction Loan
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1518 ASCENSION DR, SAN MATEO, CA 94402-3613

Mortgage

Document Number	0000009905
Date	Apr 17, 2019
Instrument	2019-0009905

Lender

Name	LIGHTHOUSE BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 539 Humes Ave was $19,764 with a homeowner's exemption.

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		$1,645,080 (+2%) Land $1,037,836 Building $607,244
2025	$19,764.00 Homeowner's exemption	$1,612,824 Land $1,017,486 Building $595,338
2023	$18,035.00 (+2.03%) Homeowner's exemption	$1,550,196 Land $977,976 Building $572,220	$1,545,660
2022	$17,677.00

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

Flood

FEMA maps place 539 Humes Ave in Zone X, an area of minimal flood risk.

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	3 in force

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

Wildfire risk around 539 Humes Ave is low, with a 0.01% annual chance of 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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