Santa Cruz County property record for 546 Monterey Dr, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2,063 sqft · built 1983 |
| Lot Size | 0.116 acres (5,053 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,415 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 044-223-05 |
| Primary APN | 044-223-05 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Total Rooms | 6 Rooms |
| Building Area | 2,063 sqft Living Area |
| Gross Area | 2,535 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 5,053 sqft (0.116 acres) |
| Terrain | Steep |
| Garage Type | Attached |
| Garage Area | 472 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 392 sqft |
| Patio Area | 392 sqft |
| Sewer | Municipal |
|---|---|
| Water Source | Commercial |
| Street Address | 546 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 Description | TR 11 |
| Legal Subdivision | DAVID GHARKYS SOUTHWESTERN ADD |
| Legal Tract | 11 |
| Legal Block | 29 |
| Legal Lot Number | 6 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 122202 |
546 Monterey Dr is owned and occupied by two individuals.
Source: Santa Cruz County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 546 MONTEREY DR, APTOS, CA 95003-4812 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 546 Monterey Dr was $5,415 with a homeowner's exemption.
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $350,504 (+2%) Land $139,405 Building $211,099 | ||
| 2025 | $5,415.00 Homeowner's exemption | $343,631 Land $136,672 Building $206,959 | |
| 2023 | $4,833.00 (+2.85%) Homeowner's exemption | $330,288 Land $131,365 Building $198,923 | $1,240,470 |
| 2022 | $4,699.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 546 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 risk around 546 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.
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 |
| 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.
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.
5G and 4G LTE (outdoors only)
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