544 Monterey Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 544 Monterey Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,653 sqft
Lot Size	0.125 acres (5,445 sqft)
Owner	Individual Name on File
Last Sale	$620,000 (Apr 2013)
Tax Bill	$10,241 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`044-223-04`

Property Details

APN / Parcel Number

Primary APN	`044-223-04`
Alternative APN	`044-223-04-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	1,653 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	5,445 sqft (0.125 acres)
Terrain	Steep
Garage Type	Carport
Garage Area	430 sqft
Carport	Carport
Carport Area	430 sqft
Parking Spaces	2 Parking Spaces
Deck Area	400 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	544 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 Subdivision	RIO DEL MAR CC PROPERTIES
Legal Block	112
Legal Lot Number	17
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1006
Census Tract	122202

Owner

544 Monterey Dr is owned and occupied by an individual who bought it in April 2013.

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

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

Owner of Record	Individual Name on File
Mailing Address	544 MONTEREY DR, APTOS, CA 95003-4812
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2025	Deed of Trust, Mortgage · Line of Credit BAY FCU
May 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 19, 2013 · Amount on File
Deed Sale	Apr 19, 2013 · Amount on File
Prior Sale	May 16, 2008 · Amount on File
Deed Document Number	201319506
Prior Transfer Date	Sep 21, 2004
Prior Transfer Doc	0000069617
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	544 MONTEREY DR, APTOS, CA 95003-4812
Transaction Type	Mortgage
Record Updated	Dec 25, 2025
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	544 MONTEREY DR, APTOS, CA 95003-4812

Mortgage

Document Number	0000026637
Date	Dec 10, 2025
Instrument	2025-0026637

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Dec 15, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	544 MONTEREY DR, APTOS, CA 95003-4812
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017974
Date	May 26, 2020
Instrument	2020-0017974

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 544 Monterey Dr was $10,241.

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		$778,756 (+2%) Land $545,129 Building $233,627
2025	$10,241.00	$763,486 Land $534,440 Building $229,046
2023	$9,276.00 (+2.29%)	$733,839 Land $513,687 Building $220,152	$1,048,680
2022	$9,068.00

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

Flood

FEMA maps place 544 Monterey 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 544 Monterey 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 and 4G LTE (outdoors only)

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