Santa Cruz County property record for 550 Aptos Creek Rd, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 440 sqft · built 1980 |
| Lot Size | 4.77 acres (208,043 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $3,992 (2025) |
| Deeds & Mortgages | Jun 2026 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-101-47 |
| Primary APN | 040-101-47 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Building Area | 440 sqft Living Area |
| Gross Area | 5,242 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Construction Type | Wood |
| Roof Type | Sawtooth |
| Roof Material | Composition Shingle |
| Lot Area | 208,043 sqft |
| Terrain | Steep |
| Garage Type | Attached |
| Garage Area | 4,802 sqft |
| Parking Spaces | 16 Parking Spaces |
| Deck Area | 735 sqft |
| Patio Area | 735 sqft |
| Heating System | HVAC |
|---|
| Street Address | 550 APTOS CREEK RD |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-3950 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Lot Number | B |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 122002 |
550 Aptos Creek Rd is owner-occupied and held in a trust since July 1994.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 550 APTOS CREEK RD, APTOS, CA 95003-3950 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
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 |
|---|---|
| Last Transfer Date | Jul 13, 1994 |
| Transfer Doc | 0000051361 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Jun 17, 2026 |
| Property Address | 550 APTOS CREEK RD, APTOS, CA 95003-3950 |
| Document Number | 0000013701 |
| Instrument Date | Jun 15, 2026 |
| Instrument | 202613701 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 550 APTOS CREEK RD, APTOS, CA 95003-3950 |
The 2025 property tax bill for 550 Aptos Creek Rd was $3,992.
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 | $323,135 (+2%) Land $102,543 Building $220,592 | ||
| 2025 | $3,992.00 Homeowner's exemption | $316,799 Land $100,532 Building $216,267 | |
| 2023 | $3,589.00 (+2.02%) Homeowner's exemption | $304,498 Land $96,629 Building $207,869 | $1,037,970 |
| 2022 | $3,518.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 550 Aptos Creek Rd in Zone X, an area of minimal flood risk, though there have been 7 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 | 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 |
|
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 550 Aptos Creek Rd is moderate, ranking above 62% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 62% of the US · lower than 62% of California |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 151 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
May also be available: AT&T, Cruzio, Surfnet Communications, T-Mobile, Verizon.
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