Santa Cruz County property record for 540 Monterey Dr, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,663 sqft · built 1976 |
| Lot Size | 0.164 acres (7,144 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $5,291 (2025) |
| Deeds & Mortgages | Aug 2023 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 044-223-27 |
| Primary APN | 044-223-27 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,663 sqft Living Area |
| Gross Area | 3,059 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Construction Type | Wood |
| Roof Material | Other |
| Lot Area | 7,144 sqft (0.164 acres) |
| Terrain | Steep |
| Garage Type | Attached |
| Garage Area | 396 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 128 sqft |
| Patio Area | 128 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 540 MONTEREY DR |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-4812 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-8 |
| Legal Description | RIO DEL MAR COUNTRY CLUB BLK 00011 LOT 000015 MAP 000026 00015 |
| Legal Subdivision | RIO DEL MAR CC PROPS SUB #11 |
| Legal Block | 112 |
| Legal Lot Number | 15 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 122202 |
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 Individual Names on Record |
|---|---|
| Mailing Address | 540 MONTEREY DR, APTOS, CA 95003-4812 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jul 26, 2023 |
| Transfer Doc | 0000014131 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Aug 1, 2023 |
| Property Address | 540 MONTEREY DR, APTOS, CA 95003-4812 |
| Document Number | 0000014131 |
| Map Reference | MB 26 PG 15 |
| Instrument Date | Jul 26, 2023 |
| Instrument | 2023-0014131 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 540 MONTEREY DR, APTOS, CA 95003-4812 |
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 | $339,332 (+2%) Land $134,674 Building $204,658 | ||
| 2025 | $5,291.00 (+12.12%) Homeowner's exemption | $332,678 (+4.04%) Land $132,033 Building $200,645 | |
| 2023 | $4,719.00 (+2.88%) Homeowner's exemption | $319,760 (+2%) Land $126,906 Building $192,854 | $1,313,820 |
| 2022 | $4,587.00 Homeowner's exemption | $313,490 Land $124,418 Building $189,072 |
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 | 4 in force |
| Nearby Flood Claims | 6 (1982–2016) |
| Claims Outside the SFHA | 3 of 6 |
| Most Recent Claim | Mar 2016 · rainfall accumulation |
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)
Search by:
By searching, you agree to: Terms • Privacy • Disclosures