Santa Cruz County property record for 545 Hudson Ln, Aptos, CA 95003 · Last verified August 2026
| Property Type | Recreational Vacant Land |
|---|---|
| Details | 2 bd · 1 ba · 2,226 sqft · built 1990 |
| Lot Size | 6.01 acres (261,970 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,720 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Jan 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-081-20 |
| Primary APN | 040-081-20 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 2,226 sqft Gross Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 261,970 sqft |
| Garage Type | Attached |
| Garage Area | 1,051 sqft |
| Parking Spaces | 4 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 545 HUDSON LN |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-2715 |
| Property Category | Public Works |
| Property Type | Public Works > Recreational Vacant Land |
| Legal Subdivision | APTOS RHO |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 122001 |
Source: Santa Cruz County records · APN 040-081-20
Assessment roll updated August 19, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 540 HUDSON LN, APTOS, CA 95003-2701 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Jan 02, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage FLAGSTAR BANK FSB |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Dec 30, 2019 |
| Transfer Doc | 0000000097 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 545 HUDSON LN, APTOS, CA 95003-2715 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 540 HUDSON LN, APTOS, CA 95003-2701 |
| Document Number | 0000053260 |
|---|---|
| Date | Dec 10, 2020 |
| Instrument | 2020-0053260 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Jan 02, 2020 |
| Property Address | 545 HUDSON LN, APTOS, CA 95003-2715 |
| Document Number | 0000000097 |
| Map Reference | VOL 31 PG 72 |
| Instrument Date | Dec 30, 2019 |
| Instrument | 2020-0000097 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 545 HUDSON LN, APTOS, CA 95003-2715 |
| Document Number | 0000000098 |
|---|---|
| Date | Jan 02, 2020 |
| Instrument | 2020-0000098 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2050 |
Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $291,492 (+2%) Land $94,629 Building $196,863 | ||
| 2025 | $3,720.00 (+11.31%) | $285,777 (+4.04%) Land $92,774 Building $193,003 | |
| 2023 | $3,342.00 (+2.01%) | $274,680 Land $89,171 Building $185,509 | $1,182,510 |
| 2022 | $3,276.00 |
Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060871220011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 43 individual NFIP policies nearby |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 43 in force 35 of 43 on primary residences |
| Nearby Flood Claims | 25 (1982–2023) |
| Claims Outside the SFHA | 2 of 25 |
| Most Recent Claim | Jan 2023, tidal / storm surge, Severe Winter Storms, Flooding, Landslides, And Mudslides |
| Flood Events |
|
| Wildfire Risk | Moderate above 59% of the US · above 35% of California |
|---|---|
| Wildfire Likelihood | About 1 in 840 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
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