541 Monterey Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 541 Monterey Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,796 sqft · built 1970
Lot Size	0.165 acres (7,187 sqft)
Owner	2 Company Names on Record
Last Sale	$525,000 (Aug 2003)
Tax Bill	$10,496 (2025)
Deeds & Mortgages	Jul 2026 Transfer Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`044-221-23`

Property Details

APN / Parcel Number

Primary APN	`044-221-23`
Alternative APN	`044-221-23-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,796 sqft Living Area
Gross Area	2,466 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	7,187 sqft (0.165 acres)
Garage Type	Attached
Garage Area	670 sqft
Parking Spaces	2 Parking Spaces
Deck Area	458 sqft
Patio Area	458 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	541 MONTEREY DR
City	APTOS
State	CA
Zip	95003-4811
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-8
Legal Description	TR 11
Legal Subdivision	RIO DEL MAR CC PROPS 11
Legal Tract	11
Legal Block	III
Legal Lot Number	3
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1005
Census Tract	122202

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	2 Company Names on Record
Mailing Address	541 MONTEREY DR, APTOS, CA 95003-4811
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2026	Correction Deed NONE LISTED ON DOCUMENT
Jun 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Nov 22, 2021	Intrafamily Transfer, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 20, 2003 · Amount on Record
Deed Sale	Aug 20, 2003 · Amount on Record
Prior Sale	Jan 13, 1999 · Amount on Record
Deed Document Number	200383173
Last Transfer Date	Nov 18, 2021
Transfer Doc	0000057323
Record Updated	Sep 20, 2026

July 2026: Correction Deed

Document Type	Correction Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 2, 2026
Property Address	541 MONTEREY DR, APTOS, CA 95003-4811
Document Number	0000015186
Instrument Date	Jun 18, 2026
Instrument	202615186
Record Updated	Aug 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	541 MONTEREY DR, APTOS, CA 95003-4811

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	541 MONTEREY DR, APTOS, CA 95003-4811
Transaction Type	Mortgage
Record Updated	Sep 5, 2023
Title Company	AMROCK TITLE CA INC, AMROCK TITLE CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	541 MONTEREY DR, APTOS, CA 95003-4811

Mortgage

Document Number	0000032580
Date	Jun 14, 2021
Instrument	2021-0032580

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 22, 2021
Property Address	541 MONTEREY DR, APTOS, CA 95003-4811
Document Number	0000057323
Map Reference	MB 26 PG 15
Instrument Date	Nov 18, 2021
Instrument	2021-0057323
Transaction Type	Transfer
Record Updated	Sep 5, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	209 EL CAMINO DEL MAR, APTOS, CA 95003-4449

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		$806,283 (+2%) Land $398,814 Building $407,469
2025	$10,496.00 (-20.5%) Homeowner's exemption	$790,474 (-27.74%) Land $390,994 Building $399,480
2023	$13,202.00 (+40.84%)	$1,093,889 Land $687,706 Building $406,183	$1,155,960
2022	$9,374.00

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	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.

Wildfire

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.

Drinking Water

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

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 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.

Cell Coverage

5G and 4G LTE (outdoors only)

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