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540 Hudson Ln, Aptos, CA 95003 Property Records

Santa Cruz County property record for 540 Hudson Ln, Aptos, CA 95003 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 4 ba · 3,643 sqft · built 1958
Lot Size6.53 acres (284,708 sqft)
OwnerIndividual Name on File
Tax Bill$6,159 (2025)
Deeds & MortgagesMay 2023 Mortgage
Jun 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN040-081-19

Property Details

APN / Parcel Number

Primary APN040-081-19
Alternative APN
  • 040-081-19-000

Interior

Bedrooms3 Beds
Full Baths4 Baths
Total Rooms6 Rooms
Building Area3,643 sqft Living Area
Gross Area4,543 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1958
Effective Year BuiltEffective 1958
Construction TypeWood
Roof MaterialOther
Lot Area284,708 sqft
Garage TypeAttached
Garage Area900 sqft
Parking Spaces4 Parking Spaces
Deck Area612 sqft
Patio Area612 sqft

Utilities, Heating & Cooling

Heating SystemHVAC
SewerSeptic
Water SourceWell

Location & Zoning

Street Address540 HUDSON LN
CityAPTOS
StateCA
Zip95003-2701
Property CategoryResidential
Property TypeResidential > Single Family > Home
JurisdictionSANTA CRUZ CA
Township / Civil DivisionSANTA CRUZ
Census Block Group1
Census Block1019
Census Tract122001

Owner

Source: Santa Cruz County records · APN 040-081-19

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 RecordIndividual Name on File
Mailing Address540 HUDSON LN, APTOS, CA 95003-2701
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 12, 2023Deed of Trust, Mortgage · SBA Mortgage
UNITED STATES SMALL BUSINESS ADMIN
Jun 11, 2020Deed of Trust, Mortgage · Conventional Mortgage
FLAGSTAR BANK FSB

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last Transfer DateDec 08, 2016
Transfer Doc0000049287
Record UpdatedSep 20, 2026

May 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address540 HUDSON LN, APTOS, CA 95003-2701
Transaction TypeMortgage
Record UpdatedMay 24, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address540 HUDSON LN, APTOS, CA 95003-2701

Mortgage

Document Number0000008348
DateMay 12, 2023
Instrument2023-0008348
Lender
NameUNITED STATES SMALL BUSINESS ADMIN
TypeGovernment Agency
AddressEL PASO, TX 79925
Agreement
TypeSBA Mortgage
AmountAmount Recorded

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address540 HUDSON LN, APTOS, CA 95003-2701
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanySTEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000020372
DateJun 11, 2020
Instrument2020-0020372
Lender
NameFLAGSTAR BANK FSB
TypeBank
AddressTROY, MI 48098
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2050

Tax Assessment & Valuation

Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
Unified School DistrictPajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$518,631 (+2%) Land $62,429 Building $456,202
2025$6,159.00 (+10.32%) Homeowner's exemption$508,462 (+4.04%) Land $61,205 Building $447,257
2023$5,583.00 (+1.64%) Homeowner's exemption$488,718 Land $58,829 Building $429,889$1,994,040
2022$5,493.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060871220011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 43 individual NFIP policies nearby
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies43 in force
Nearby Flood Claims25 (1982–2023)
Claims Outside the SFHA2 of 25
Most Recent ClaimJan 2023, tidal / storm surge, Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims By Storm
  • Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 11 claims
  • Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 4 claims
  • Severe Storms & Flooding, Feb 1986 · 2 claims

Wildfire

Wildfire RiskModerate
above 63% of the US · above 38% of California
Wildfire LikelihoodAbout 1 in 625 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 24 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable1,200 / 35

May also be available at this address: Cruzio Internet, Etheric Communications, LLC., Surfnet Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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