Santa Cruz County property record for 540 Humes Ave, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,473 sqft · built 1963 |
| Lot Size | 0.111 acres (4,835 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $6,117 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 044-213-05 |
| Primary APN | 044-213-05 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,473 sqft Living Area |
| Gross Area | 1,913 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Construction Type | Wood |
| Roof Type | Sawtooth |
| Roof Material | Composition Shingle |
| Lot Area | 4,835 sqft (0.111 acres) |
| Terrain | Steep |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 540 HUMES AVE |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-5242 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-5 |
| Legal Description | BLK 22 LOT 17 |
| Legal Subdivision | APTOS BEACH CC PROPERTIES |
| Legal Block | 22 |
| Legal Lot Number | 17 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 122203 |
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 | 2 Company Names on Record |
|---|---|
| Mailing Address | 3715 AURORA LOOP, ROCKLIN, CA 95677-4767 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Aug 1, 2024 |
| Transfer Doc | 0000014877 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 540 HUMES AVE, APTOS, CA 95003-5242 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 3715 AURORA LOOP, ROCKLIN, CA 95677-4767 |
| Document Number | 0000023723 |
|---|---|
| Date | Apr 26, 2021 |
| Instrument | 2021-0023723 |
| Name | ONE AMERICAN BANK |
|---|---|
| Type | Bank |
| Address | SAN FRANCISCO, CA 94108 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2051 |
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $406,730 (+2%) Land $282,943 Building $123,787 | ||
| 2025 | $6,117.00 (+8.59%) | $398,755 (+4.04%) Land $277,395 Building $121,360 | |
| 2024 | $5,633.00 (+2.75%) | ||
| 2023 | $5,482.00 (+2.7%) | $383,272 Land $266,624 Building $116,648 | $862,740 |
| 2022 | $5,338.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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.
5G and 4G LTE (outdoors only)
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