555 Cuesta Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 555 Cuesta Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,519 sqft · built 1960
Lot Size	0.359 acres (15,638 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,249,000 (Aug 2020)
Tax Bill	$16,814 (2025)
Deeds & Mortgages	Feb 2023 Transfer Mar 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`044-241-08`

Property Details

APN / Parcel Number

Primary APN	`044-241-08`
Alternative APN	`044-241-08-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	2,519 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 2016
Construction Type	Wood
Roof Material	Other
Lot Area	15,638 sqft (0.359 acres)
Terrain	Steep
View / Lot	Ocean
Garage Type	Carport
Garage Area	300 sqft
Carport	Carport
Carport Area	300 sqft
Parking Spaces	1 Parking Space
Deck Area	265 sqft
Patio Area	265 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	555 CUESTA DR
City	APTOS
State	CA
Zip	95003-5503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10
Legal Subdivision	RIO DEL MAR CC PROPERTIES 11
Legal Lot Number	6
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1007
Census Tract	122202

Owner

Source: Santa Cruz County records, as of August 19, 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 Record
Mailing Address	555 CUESTA DR, APTOS, CA 95003-5503
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2023	Intrafamily Transfer, Transfer
Mar 20, 2017	Deed of Trust, Mortgage COMERICA BANK TOWER
Feb 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage ACADEMY MORTGAGE CORP
Aug 14, 2020	Grant Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Aug 14, 2020	Affidavit of Death, Transfer OLD REPUBLIC TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2020 · Amount on Record
Deed Sale	Aug 14, 2020 · Amount on Record
Prior Sale	Dec 24, 2014 · Amount on Record
Deed Document Number	202031071
Last Transfer Date	Feb 15, 2023
Transfer Doc	0000002728
Record Updated	Sep 20, 2026

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 17, 2023
Property Address	555 CUESTA DR, APTOS, CA 95003-5503
Document Number	0000002728
Map Reference	VOL 26 PG 15
Instrument Date	Feb 15, 2023
Instrument	2023-0002728
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	555 CUESTA DR, APTOS, CA 95003-5503

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	555 CUESTA DR, APTOS, CA 95003-5503
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009406
Date	Mar 20, 2017
Instrument	2017-0009406

Lender

Name	COMERICA BANK TOWER
Address	DALLAS, TX 75201

Agreement

Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	555 CUESTA DR, APTOS, CA 95003-5503
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004888
Date	Feb 8, 2017
Instrument	2017-0004888

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 14, 2020
Property Address	555 CUESTA DR, APTOS, CA 95003-5503
Document Number	0000031071
Map Reference	VOL 26 PG 15
Instrument Date	Aug 10, 2020
Instrument	2020-0031071
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	555 CUESTA DR, APTOS, CA 95003-5503

Mortgage

Document Number	0000031072
Date	Aug 14, 2020
Instrument	2020-0031072

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Mortgage

Document Number	0000031073
Date	Aug 14, 2020
Instrument	2020-0031073

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 14, 2020
Property Address	555 CUESTA DR, APTOS, CA 95003-5503
Document Number	0000031127
Instrument Date	Jul 1, 2020
Instrument	31127
Transaction Type	Transfer
Record Updated	Aug 31, 2020
Title Company	OLD REPUBLIC TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3455 GRAND CYPRESS DR #202 NAPLES FL 341197905, 202, NAPLES, FL 34119-7905

Tax Assessment & Valuation

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Unified School District	Pajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,378,997 (+2%) Land $965,298 Building $413,699
2025	$16,814.00 (+9.74%) Homeowner's exemption	$1,351,957 (+4.04%) Land $946,370 Building $405,587
2023	$15,322.00 (+2.08%) Homeowner's exemption	$1,299,460 Land $909,622 Building $389,838	$1,549,440
2022	$15,010.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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