Santa Cruz County property record for 551 Cathedral Dr, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,344 sqft · built 1963 |
| Lot Size | 0.364 acres (15,856 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $704,000 (Oct 2017) |
| Tax Bill | $9,466 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Oct 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-217-01 |
| Primary APN | 040-217-01 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,344 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 15,856 sqft (0.364 acres) |
| Terrain | Steep |
| Deck Area | 443 sqft |
| Patio Area | 443 sqft |
| Heating System | HVAC |
|---|---|
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 551 CATHEDRAL DR |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-3456 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-15 |
| Legal Description | SUB #1 MONTE TOYON LOT 000013 MAP 000024 00022 |
| Legal Subdivision | MONTE TOYON 01 |
| Legal Block | 5 |
| Legal Lot Number | 13,14 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 122002 |
Source: Santa Cruz County records · APN 040-217-01
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 551 CATHEDRAL DR, APTOS, CA 95003-3456 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| Jan 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ON Q FINANCIAL INC |
| Oct 03, 2017 | Grant Deed, Transfer · Conventional Mortgage ON Q FINANCIAL INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 03, 2017 · Amount on Record |
| Deed Sale | Oct 03, 2017 · Amount on Record |
| Prior Sale | Sep 03, 1999 · Amount on Record |
| Deed Document Number | 201733229 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 551 CATHEDRAL DR, APTOS, CA 95003-3456 |
| Transaction Type | Mortgage |
| Record Updated | Feb 09, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 551 CATHEDRAL DR, APTOS, CA 95003-3456 |
| Document Number | 0000004823 |
|---|---|
| Date | Jan 27, 2021 |
| Instrument | 2021-0004823 |
| Name | ON Q FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Address | TEMPE, AZ 85281 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Oct 03, 2017 |
| Property Address | 551 CATHEDRAL DR, APTOS, CA 95003-3456 |
| Document Number | 0000033229 |
| Map Reference | VOL24 PG22 |
| Instrument Date | Sep 27, 2017 |
| Instrument | 2017-0033229 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 551 CATHEDRAL DR, APTOS, CA 95003-3456 |
| Document Number | 0000033230 |
|---|---|
| Date | Oct 03, 2017 |
| Instrument | 2017-0033230 |
| Name | ON Q FINANCIAL INC |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2047 |
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 | $817,053 (+2%) Land $653,642 Building $163,411 | ||
| 2025 | $9,466.00 (+9.74%) Homeowner's exemption | $801,032 (+4.04%) Land $640,826 Building $160,206 | |
| 2023 | $8,626.00 (+1.85%) Homeowner's exemption | $769,927 Land $615,942 Building $153,985 | $796,500 |
| 2022 | $8,469.00 |
Source: FEMA National Flood Hazard Layer as of July 10, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| Wildfire Risk | Moderate above 65% of the US · above 40% of California |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
May also be available: AT&T, Cruzio Internet, Surfnet Communications, T-Mobile USA, Verizon.
Based on FCC filings for 151 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SOQUEL CREEK WATER DISTRICT serves 40,962 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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