Santa Cruz County property record for 550 Hudson Ln, Aptos, CA 95003
| Property Type | Recreational Vacant Land |
|---|---|
| Details | 6 bd · 5 ba · 8,510 sqft · built 2005 |
| Lot Size | 13.4 acres (585,359 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $2,900,000 (Dec 2012) |
| Tax Bill | $40,862 (2025) |
| Deeds & Mortgages | Feb 2023 Line of Credit Mar 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-081-16 |
| Primary APN | 040-081-16 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 5 Baths |
| Total Rooms | 13 Rooms |
| Building Area | 8,510 sqft Gross Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Construction Type | Wood |
| Roof Material | Tile |
| Lot Area | 585,359 sqft |
| Terrain | Steep |
| View / Lot | Mountain |
| Garage Type | Attached |
| Garage Area | 1,507 sqft |
| Parking Spaces | 5 Parking Spaces |
| Deck Area | 228 sqft |
| Patio Area | 228 sqft |
| Heating System | HVAC |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Street Address | 550 HUDSON LN |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-2701 |
| Property Category | Public Works |
| Property Type | Public Works > Recreational Vacant Land |
| Local Zoning Code | RA |
| Legal Subdivision | PM18 54 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 122001 |
550 Hudson Ln, recreational vacant land, is owned and occupied by two individuals who bought it in December 2012.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 550 HUDSON LN, APTOS, CA 95003-2701 |
| 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.
| Date | Document |
|---|---|
| Feb 13, 2023 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Mar 30, 2017 | Deed of Trust, Mortgage · ARM US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 31, 2012 · Amount on File |
| Deed Sale | Dec 31, 2012 · Amount on File |
| Prior Sale | Sep 10, 2010 · Amount on File |
| Deed Document Number | 201265277 |
| Prior Transfer Date | May 1, 1996 |
| Prior Transfer Doc | 0000025758 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 550 HUDSON LN, APTOS, CA 95003-2701 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2023 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 7960 SOQUEL DR B411, B411, APTOS, CA 95003-3999 |
| Document Number | 0000002431 |
|---|---|
| Date | Feb 13, 2023 |
| Instrument | 2023-0002431 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 3, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 550 HUDSON LN, APTOS, CA 95003-2701 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000010794 |
|---|---|
| Date | Mar 30, 2017 |
| Instrument | 2017-0010794 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Apr 1, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 8.25% |
| Index | 1-Year CMT |
| Max Rate | 8.25% |
The 2025 property tax bill for 550 Hudson Ln was $40,862.
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 | $3,642,567 (+2%) Land $1,130,452 Building $2,512,115 | ||
| 2025 | $40,862.00 | $3,571,144 Land $1,108,286 Building $2,462,858 | |
| 2023 | $37,518.00 (+1.75%) | $3,432,472 Land $1,065,250 Building $2,367,222 | $4,353,840 |
| 2022 | $36,871.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 550 Hudson Ln in Zone X, an area of minimal flood risk, though there have been 25 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 |
| Flood Insurance Cost | Premium on File median of 43 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 43 in force |
| Nearby Flood Claims | 25 (1982–2023) |
| Claims Outside the SFHA | 2 of 25 |
| Most Recent Claim | Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides |
| 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 Hudson Ln 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
May also be available: Cruzio, Etheric Networks, Surfnet Communications.
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