Santa Cruz County property record for 540 Cathedral Dr, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,527 sqft · built 1965 |
| Lot Size | 0.146 acres (6,360 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $1,475,000 (Jun 2026) |
| Tax Bill | $7,600 (2025) |
| Deeds & Mortgages | Jun 2026 Sale Jun 2026 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-221-24 |
| Primary APN | 040-221-24 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,527 sqft Living Area |
| Gross Area | 1,791 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Contemporary |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Material | Other |
| Lot Area | 6,360 sqft (0.146 acres) |
| Garage Type | Attached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | HVAC |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 540 CATHEDRAL DR |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-3419 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-6 |
| Legal Description | MAP J6 973 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 122002 |
Source: Santa Cruz County records · APN 040-221-24
Assessment roll updated August 19, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 1712 LOLLIE CT, SAN JOSE, CA 95124-3823 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| Jun 26, 2026 | Grant Deed, Transfer NONE LISTED ON DOCUMENT |
| Jun 12, 2026 | Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Mar 01, 2022 | Intrafamily Transfer, Transfer AMROCK INC |
| Mar 01, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| May 27, 2021 | Intrafamily Transfer, Transfer |
| May 27, 2021 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 12, 2026 · Amount on Record |
| Deed Sale | Jun 12, 2026 · Amount on Record |
| Prior Sale | Jul 01, 1999 · Amount on Record |
| Deed Document Number | 202613299 |
| Prior Transfer Date | Feb 24, 2022 |
| Prior Transfer Doc | 0000006758 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Jun 26, 2026 |
| Property Address | 540 CATHEDRAL DR, APTOS, CA 95003-3419 |
| Document Number | 0000014631 |
| Instrument Date | Jun 15, 2026 |
| Instrument | 202614631 |
| Transaction Type | Transfer |
| Record Updated | Jul 10, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Tenant |
| Address | 1712 LOLLIE CT, SAN JOSE, CA 95124-3823 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Jun 12, 2026 |
| Property Address | 540 CATHEDRAL DR, APTOS, CA 95003-3419 |
| Document Number | 0000013299 |
| Instrument Date | May 26, 2026 |
| Instrument | 202613299 |
| Transaction Type | Transfer |
| Record Updated | Jun 25, 2026 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $163,872.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1712 LOLLIE CT, SAN JOSE, CA 95124-3823 |
| Document Number | 0000013300, |
|---|---|
| Date | Jun 12, 2026 |
| Instrument | 202613300 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Mar 01, 2022 |
| Property Address | 540 CATHEDRAL DR, APTOS, CA 95003-3419 |
| Document Number | 0000006758 |
| Instrument Date | Feb 24, 2022 |
| Instrument | 2022-0006758 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2023 |
| Title Company | AMROCK INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 540 CATHEDRAL DR, APTOS, CA 95003-3419 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Mar 01, 2022 |
| Property Address | 540 CATHEDRAL DR, APTOS, CA 95003-3419 |
| Document Number | 0000006756 |
| Instrument Date | Feb 24, 2022 |
| Instrument | 2022-0006756 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2022 |
| Title Company | AMROCK INC, AMROCK LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 540 CATHEDRAL DR, APTOS, CA 95003-3419 |
| Document Number | 0000006757 |
|---|---|
| Date | Mar 01, 2022 |
| Instrument | 2022-0006757 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 156 Months |
| Due | Mar 01, 2035 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | May 27, 2021 |
| Property Address | 540 CATHEDRAL DR, APTOS, CA 95003-3419 |
| Document Number | 0000029782 |
| Instrument Date | May 26, 2021 |
| Instrument | 2021-0029782 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 540 CATHEDRAL DR, APTOS, CA 95003-3419 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | May 27, 2021 |
| Property Address | 540 CATHEDRAL DR, APTOS, CA 95003-3419 |
| Document Number | 0000029781 |
| Instrument Date | May 26, 2021 |
| Instrument | 2021-0029781 |
| Transaction Type | Transfer |
| Record Updated | Jun 11, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 540 CATHEDRAL DR, APTOS, CA 95003-3419 |
Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $547,664 (+2%) Land $282,145 Building $265,519 | ||
| 2025 | $7,600.00 (+11.06%) Homeowner's exemption | $536,926 (+4.04%) Land $276,613 Building $260,313 | |
| 2023 | $6,843.00 (+2.52%) Homeowner's exemption | $516,077 Land $265,872 Building $250,205 | $886,050 |
| 2022 | $6,675.00 |
Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060871220021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 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 | 5 in force |
| Nearby Flood Claims | 7 (1982–2000) |
| Claims Outside the SFHA | 6 of 7 |
| Most Recent Claim | Feb 2000 · rainfall accumulation |
| Claims by Event |
|
| Wildfire Risk | Moderate above 43% of the US · lower than 74% of California |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 151 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
May also be available: AT&T, Cruzio Internet, Surfnet Communications, T-Mobile USA, Verizon.
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | SOQUEL CREEK WATER DISTRICT serves 40,962 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2023 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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