545 la Honda Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 545 la Honda Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,988 sqft · built 1976
Lot Size	0.231 acres (10,062 sqft)
Owner	Individual Name on File
Last Sale	$940,000 (Oct 2016)
Tax Bill	$13,943 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`044-241-65`

Property Details

APN / Parcel Number

Primary APN	`044-241-65`
Alternative APN	`044-241-65-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	1,988 sqft Living Area

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Construction Type	Wood
Roof Material	Other
Lot Area	10,062 sqft (0.231 acres)
Terrain	Steep
View / Lot	Ocean
Garage Type	Carport
Garage Area	252 sqft
Carport	Carport
Carport Area	252 sqft
Parking Spaces	1 Parking Space
Deck Area	200 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	545 LA HONDA DR
City	APTOS
State	CA
Zip	95003-4827
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1007
Census Tract	122202

Owner

545 la Honda Dr is owned and occupied by an individual who bought it in October 2016.

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

Owner of Record	Individual Name on File
Mailing Address	545 LA HONDA DR, APTOS, CA 95003-4827
Occupancy	Owner Occupied
Owner Type	Individual

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 9, 2022	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Mar 30, 2022	Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND
Jun 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 30, 2017	Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CTRL CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 4, 2016 · Amount on File
Deed Sale	Oct 4, 2016 · Amount on File
Prior Sale	Jul 28, 2006 · Amount on File
Deed Document Number	201638254
Prior Transfer Date	Feb 1, 1994
Prior Transfer Doc	0000008703
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	545 LA HONDA DR, APTOS, CA 95003-4827
Transaction Type	Mortgage
Record Updated	Dec 20, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 LA HONDA DR, APTOS, CA 95003-4827

Mortgage

Document Number	0000032692
Date	Dec 9, 2022
Instrument	2022-0032692

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Nov 28, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	545 LA HONDA DR, APTOS, CA 95003-4827
Transaction Type	Mortgage
Record Updated	Apr 12, 2022
Title Company	STEWART TITLE, STEWART TITLE CALIFORNIA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 LA HONDA DR, APTOS, CA 95003-4827

Mortgage

Document Number	0000010260
Date	Mar 30, 2022
Instrument	2022-0010260

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.44%
Type Change Date	Apr 1, 2027
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	4.44%
Index	Prime Rate
Max Rate	8.44%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	545 LA HONDA DR, APTOS, CA 95003-4827
Transaction Type	Mortgage
Record Updated	Jul 6, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 LA HONDA DR, APTOS, CA 95003-4827

Mortgage

Document Number	0000033264
Date	Jun 17, 2021
Instrument	2021-0033264

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	545 LA HONDA DR, APTOS, CA 95003-4827
Document Number	0000041106
Instrument Date	Nov 30, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 LA HONDA DR APTOS CA 950034827, APTOS, CA 95003-4827

Mortgage

Document Number	0000041106
Date	Dec 5, 2017
Instrument	41106

Lender

Name	COMMONWEALTH CTRL CU
Type	Credit Union
Address	SAN JOSE, CA 95164-1690

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 4, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 545 la Honda Dr was $13,943.

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		$1,112,770 (+2%) Land $767,811 Building $344,959
2025	$13,943.00	$1,090,951 Land $752,756 Building $338,195
2023	$12,682.00 (+2.13%)	$1,048,588 Land $723,526 Building $325,062	$1,138,860
2022	$12,417.00

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

Flood

FEMA maps place 545 la Honda 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 545 la Honda Dr is low, with a 0.02% 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	0.02% 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.

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