540 Hauer Apple Way, Aptos, CA 95003 Property Records

Santa Cruz County property record for 540 Hauer Apple Way, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,262 sqft · built 1988
Lot Size	5.52 acres (240,843 sqft)
Owner	Individual Name on Record
Last Sale	$1,217,000 (Nov 2017)
Tax Bill	$16,536 (2025)
Deeds & Mortgages	Mar 2021 Mortgage May 2017 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`107-511-27`

Property Details

APN / Parcel Number

Primary APN	`107-511-27`
Alternative APN	`107-511-27-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Building Area	3,262 sqft Living Area
Gross Area	3,944 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Wood
Lot Area	240,843 sqft
Terrain	Steep
View / Lot	Mountain
Garage Type	Attached
Garage Area	682 sqft
Parking Spaces	2 Parking Spaces
Deck Area	1,300 sqft
Patio Area	1,300 sqft

Utilities, Heating & Cooling

Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	540 HAUER APPLE WAY
City	APTOS
State	CA
Zip	95003-9315
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Subdivision	MURIEL HAUER
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1000
Census Tract	122002

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	540 HAUER APPLE WAY, APTOS, CA 95003-9315
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
May 31, 2017	Deed of Trust, Mortgage · Line of Credit COMERICA BANK
Apr 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Dec 20, 2018	Affidavit of Death, Transfer ATTORNEY ONLY
Nov 15, 2017	Grant Deed, Transfer · Conventional Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2017 · Amount on Record
Deed Sale	Nov 15, 2017 · Amount on Record
Prior Sale	Aug 2, 1996 · Amount on Record
Deed Document Number	201738359
Last Transfer Date	Nov 19, 2018
Transfer Doc	0000037926
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	540 HAUER APPLE WAY, APTOS, CA 95003-9315
Transaction Type	Mortgage
Record Updated	Apr 2, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TIT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 HAUER APPLE WAY, APTOS, CA 95003-9315

Mortgage

Document Number	0000016253
Date	Mar 19, 2021
Instrument	2021-0016253

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	325 Months
Due	Apr 1, 2048

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	540 HAUER APPLE WAY, APTOS, CA 95003-9315
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017706
Date	May 31, 2017
Instrument	2017-0017706

Lender

Name	COMERICA BANK
Type	Bank
Address	DALLAS, TX 75201

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	540 HAUER APPLE WAY, APTOS, CA 95003-9315
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011781
Date	Apr 6, 2020
Instrument	2020-0011781

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	334 Months
Due	Feb 1, 2048

December 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 20, 2018
Property Address	540 HAUER APPLE WAY, APTOS, CA 95003-9315
Document Number	0000037926
Instrument Date	Nov 19, 2018
Instrument	37926
Transaction Type	Transfer
Record Updated	Jan 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 HAUER APPLE WAY APTOS CA 950039315, APTOS, CA 95003-9315

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 15, 2017
Property Address	540 HAUER APPLE WAY, APTOS, CA 95003-9315
Document Number	0000038359
Instrument Date	Nov 6, 2017
Instrument	38359
Transaction Type	Transfer
Record Updated	Dec 5, 2017
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,338.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	540 HAUER APPLE WAY APTOS CA 950039315, APTOS, CA 95003-9315

Mortgage

Document Number	38360
Date	Nov 15, 2017
Instrument	38360

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 14, 2047

Mortgage

Document Number	38361,
Date	Nov 15, 2017
Instrument	38361

Lender

Name	JACKSON MARTIN J & SHIRLE (PT)

Agreement

Amount	Amount Recorded

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		$1,412,433 (+2%) Land $847,460 Building $564,973
2025	$16,536.00 (+9.2%) Homeowner's exemption	$1,384,738 (+4.04%) Land $830,843 Building $553,895
2023	$15,143.00 (+1.9%) Homeowner's exemption	$1,330,967 Land $798,580 Building $532,387	$1,336,410
2022	$14,861.00

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	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	Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 2 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	Moderate above 60% of the US · lower than 64% of California
Wildfire Likelihood	0.2% 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	CENTRAL WATER DISTRICT serves 2,726 people · EPA ID CA4410018
Water Source	Groundwater
Last State Inspection	Sep 2022
Lead	Under 1 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 83 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Cruzio.

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