Santa Cruz County property record for 548 Monterey Dr, Aptos, CA 95003 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,592 sqft · built 1977 |
| Lot Size | 0.142 acres (6,186 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,305,000 (May 2024) |
| Tax Bill | $16,658 (2025) |
| Deeds & Mortgages | Dec 2021 Line of Credit May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 044-223-06 |
| Primary APN | 044-223-06 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,592 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Contemporary |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Material | Wood Shingle |
| Lot Area | 6,186 sqft (0.142 acres) |
| Terrain | Steep |
| Deck Area | 498 sqft |
| Patio Area | 498 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 548 MONTEREY DR |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-4812 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | RIO DEL MAR CC PROPERTIES 11 |
| Legal Block | 112 |
| Legal Lot Number | 19 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 122202 |
Source: Santa Cruz County records · APN 044-223-06
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 | 17320 COLUMBIA DR, CASTRO VALLEY, CA 94552-1603 |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| Dec 15, 2021 | Deed of Trust, Mortgage · Line of Credit BAY FCU |
| May 07, 2020 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 28, 2024 · Amount on Record |
| Deed Sale | May 28, 2024 · Amount on Record |
| Prior Sale | Jul 09, 2013 · Amount on Record |
| Deed Document Number | 20249912 |
| Prior Transfer Date | Oct 10, 2002 |
| Prior Transfer Doc | 0000078376 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 548 MONTEREY DR, APTOS, CA 95003-4812 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TIT |
| Name | Verified Name |
|---|---|
| Address | 548 MONTEREY DR, APTOS, CA 95003-4812 |
| Document Number | 0000060548 |
|---|---|
| Date | Dec 15, 2021 |
| Instrument | 2021-0060548 |
| Name | BAY FCU |
|---|---|
| Type | Credit Union |
| Address | CAPITOLA, CA 95010 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jan 15, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 548 MONTEREY DR, APTOS, CA 95003-4812 |
| Document Number | 0000016344 |
| Instrument Date | May 07, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 29, 2020 |
| Title Company | AMROCK TITLE CA INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 548 MONTEREY DR APTOS CA 950034812, APTOS, CA 95003-4812 |
| Document Number | 0000016344 |
|---|---|
| Date | May 13, 2020 |
| Instrument | 16344 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 12, 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 | $1,357,722 (+2%) Land $1,086,178 Building $271,544 | ||
| 2025 | $16,658.00 (+76.63%) | $1,331,100 (+77.91%) Land $1,064,880 Building $266,220 | |
| 2023 | $9,431.00 (+2.28%) | $748,196 Land $523,737 Building $224,459 | $1,059,660 |
| 2022 | $9,221.00 |
Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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