545 Flume Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 545 Flume Rd, Aptos, CA 95003

Property Summary

Property Type	Timberland, Forest, Woodland Vacant Land
Details	3 bd · 2 ba · 2,811 sqft · built 2023
Lot Size	6.27 acres (273,426 sqft)
Owner	Individual Name on Record
Last Sale	$285,000 (Apr 2006)
Tax Bill	$10,302 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Nov 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`105-151-08`

Property Details

APN / Parcel Number

Primary APN	`105-151-08`
Alternative APN	`105-151-08-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	2,811 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Construction Type	Wood
Roof Material	Metal
Lot Area	273,426 sqft
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Deck Area	1,136 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	545 FLUME RD
City	APTOS
State	CA
Zip	95003-9549
Property Category	Vacant Land
Property Type	Vacant Land > Timberland, Forest, Woodland
Local Zoning Code	TP
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1000
Census Tract	122002

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	Individual Name on Record
Mailing Address	545 FLUME RD, APTOS, CA 95003-9549
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2023	Deed of Trust, Mortgage · Commercial Mortgage SUSAN BAYLESS REVOCABLE TRUST
Nov 4, 2022	Intrafamily Transfer, Transfer
Aug 18, 2022	Intrafamily Transfer, Transfer · Line of Credit HERITAGE BANK OF COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2006 · Amount on Record
Deed Sale	Apr 27, 2006 · Amount on Record
Deed Document Number	200624483
Last Transfer Date	Oct 27, 2022
Transfer Doc	0000030050
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	545 FLUME RD, APTOS, CA 95003-9549
Transaction Type	Mortgage
Record Updated	Jul 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 FLUME RD, APTOS, CA 95003-9549

Mortgage

Document Number	0000011351
Date	Jun 23, 2023
Instrument	2023-0011351

Lender

Name	SUSAN BAYLESS REVOCABLE TRUST
Type	Private Party
Address	545 FLUME RD, APTOS, CA 95003

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 4, 2022
Property Address	545 FLUME RD, APTOS, CA 95003-9549
Document Number	0000030050
Instrument Date	Oct 27, 2022
Instrument	2022-0030050
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Revocable Trust
Address	545 FLUME RD, APTOS, CA 95003-9549

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 18, 2022
Property Address	545 FLUME RD, APTOS, CA 95003-9549
Document Number	0000023548
Instrument Date	Aug 11, 2022
Instrument	2022-0023548
Transaction Type	Transfer
Record Updated	Aug 31, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

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
Address	545 FLUME RD, APTOS, CA 95003-9549

Mortgage

Document Number	0000023549
Date	Aug 18, 2022
Instrument	2022-0023549

Lender

Name	HERITAGE BANK OF COMMERCE
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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
2026		$860,328 (+2%) Land $314,973 Building $545,355
2025	$10,302.00 (+44.91%)	$843,485 (+30.95%) Land $308,823 Building $534,662
2023	$7,109.00 (+6.03%)	$644,120 Land $281,620 Building $362,500
2022	$6,705.00

Assessed value is set for property tax purposes and is not a market price estimate.

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	5 in force
Nearby Flood Claims	7 (1982–2000)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Feb 2000 · rainfall accumulation
Claims by Event	Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 2 claims

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	Moderate above 66% of the US · above 41% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Etheric Networks.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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