543 Cuesta Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 543 Cuesta Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,789 sqft · built 1982
Lot Size	0.36 acres (15,682 sqft)
Owner	Trust Name on File
Tax Bill	$12,387 (2025)
Deeds & Mortgages	Dec 2020 Mortgage May 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`044-251-04`

Property Details

APN / Parcel Number

Primary APN	`044-251-04`
Alternative APN	`044-251-04-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Building Area	3,789 sqft Living Area
Gross Area	4,354 sqft

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	15,682 sqft (0.36 acres)
Terrain	Steep
View / Lot	Ocean
Garage Type	Attached
Garage Area	565 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	1,293 sqft
Patio Area	1,293 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	543 CUESTA DR
City	APTOS
State	CA
Zip	95003-5503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10
Legal Description	TR 11
Legal Subdivision	RIO DEL MAR CC PROPS 11
Legal Tract	11
Legal Block	108
Legal Lot Number	12
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1007
Census Tract	122202

Owner

543 Cuesta Dr is owner-occupied and held in a trust since May 2019.

Source: Santa Cruz County records, as of August 19, 2026

Owner of Record	Trust Name on File
Mailing Address	543 CUESTA DR, APTOS, CA 95003-5503
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION
May 29, 2019	Quit Claim Deed, Transfer QUICKEN LNS
May 29, 2019	Quit Claim Deed, Transfer AMROCK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 18, 2019
Transfer Doc	0000014417
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	543 CUESTA DR, APTOS, CA 95003-5503
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	543 CUESTA DR, APTOS, CA 95003-5503

Mortgage

Document Number	0000053617
Date	Dec 14, 2020
Instrument	2020-0053617

Lender

Name	OWNING CORPORATION
Type	Non-Lending Institution
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 29, 2019
Property Address	543 CUESTA DR, APTOS, CA 95003-5503
Document Number	0000014417
Instrument Date	May 18, 2019
Instrument	14417
Transaction Type	Transfer
Record Updated	Jun 12, 2019
Title Company	AMROCK INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	543 CUESTA DR APTOS CA 950035503, APTOS, CA 95003-5503

Mortgage

Document Number	14418
Date	May 29, 2019
Instrument	14418

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	180 Months
Due	May 28, 2034

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 29, 2019
Property Address	543 CUESTA DR, APTOS, CA 95003-5503
Document Number	0000014419
Instrument Date	May 18, 2019
Instrument	14419
Transaction Type	Transfer
Record Updated	Jun 12, 2019
Title Company	AMROCK INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	543 CUESTA DR APTOS CA 950035503, APTOS, CA 95003-5503

Tax Assessment & Valuation

The 2025 property tax bill for 543 Cuesta Dr was $12,387 with a homeowner's exemption.

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		$979,511 (+2%) Land $274,741 Building $704,770
2025	$12,387.00 Homeowner's exemption	$960,305 Land $269,354 Building $690,951
2023	$11,248.00 (+2.21%) Homeowner's exemption	$923,016 Land $258,895 Building $664,121	$2,177,910
2022	$11,005.00

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

Flood

FEMA maps place 543 Cuesta Dr in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1982.

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

Wildfire risk around 543 Cuesta Dr is low, with a 0.01% annual chance of 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 (outdoors only) and 4G LTE

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