564 Cuesta Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 564 Cuesta Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,436 sqft · built 2004
Lot Size	0.223 acres (9,714 sqft)
Owner	2 Company Names on Record
Last Sale	$285,000 (Mar 2004)
Tax Bill	$12,341 (2025)
Deeds & Mortgages	Jul 2026 Sale Jul 2026 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`044-261-56`

Property Details

APN / Parcel Number

Primary APN	`044-261-56`
Alternative APN	`044-261-56-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	2,436 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	9,714 sqft (0.223 acres)
Terrain	Steep
View / Lot	Mountain
Garage Type	Carport
Garage Area	494 sqft
Carport	Carport
Carport Area	494 sqft
Parking Spaces	2 Parking Spaces
Deck Area	349 sqft
Patio Area	349 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	564 CUESTA DR
City	APTOS
State	CA
Zip	95003-5504
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SU-SP
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1010
Census Tract	122202

Owner

Source: Santa Cruz County records, as of August 24, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	564 CUESTA DR, APTOS, CA 95003-5504
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2026	Grant Deed, Transfer REPUBLIC TITLE COMPANY, OLD REPUBLIC TITLE COMPANY
Jul 7, 2026	Grant Deed, Transfer · Line of Credit BAY FEDERAL CREDIT UNION
Nov 22, 2019	Deed of Trust, Mortgage · Line of Credit COMERICA BANK
Dec 18, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Dec 21, 2020	Quit Claim Deed, Transfer STEWART TITLE, STEWART TITLE/CA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2004 · Amount on Record
Deed Sale	Mar 31, 2004 · Amount on Record
Deed Document Number	200420874
Last Transfer Date	Jun 30, 2026
Transfer Doc	0000015402
Record Updated	Oct 29, 2026

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 7, 2026
Property Address	564 CUESTA DR, APTOS, CA 95003-5504
Document Number	0000015420
Instrument Date	Jun 30, 2026
Instrument	202615420
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	REPUBLIC TITLE COMPANY, OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	564 CUESTA DR, APTOS, CA 95003-5504

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 7, 2026
Property Address	564 CUESTA DR, APTOS, CA 95003-5504
Document Number	0000015402
Instrument Date	Jun 30, 2026
Instrument	202615402
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	REPUBLIC TITLE COMPANY, OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	564 CUESTA DR, APTOS, CA 95003-5504

Mortgage

Document Number	0000015403,
Date	Jul 7, 2026
Instrument	202615403

Lender

Name	BAY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 15, 2051

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	564 CUESTA DR, APTOS, CA 95003-5504
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036631
Date	Nov 22, 2019
Instrument	2019-0036631

Lender

Name	COMERICA BANK
Type	Bank
Address	DALLAS, TX 75201

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 18, 2020
Property Address	564 CUESTA DR, APTOS, CA 95003-5504
Document Number	0000055250
Map Reference	VOL 1122 PG 275
Instrument Date	Dec 11, 2020
Instrument	2020-0055250
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	STEWART TITLE OF CA INC

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	Community Property with Right of Survivorship
Address	564 CUESTA DR, APTOS, CA 95003-5504

Mortgage

Document Number	0000055251
Date	Dec 18, 2020
Instrument	2020-0055251

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 21, 2020
Property Address	564 CUESTA DR, APTOS, CA 95003-5504
Document Number	0000055518
Instrument Date	Dec 11, 2020
Instrument	55518
Transaction Type	Transfer
Record Updated	Jan 18, 2021
Title Company	STEWART TITLE, STEWART TITLE/CA

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	564 CUESTA DR APTOS CA 950035504, APTOS, CA 95003-5504

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		$975,414 (+2%) Land $427,534 Building $547,880
2025	$12,341.00 (+10.13%) Homeowner's exemption	$956,290 (+4.04%) Land $419,152 Building $537,138
2023	$11,206.00 (+2.21%) Homeowner's exemption	$919,156 Land $402,876 Building $516,280	$1,757,610
2022	$10,964.00

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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