570 Saint Andrews Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 570 Saint Andrews Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,320 sqft · built 1974
Lot Size	0.179 acres (7,797 sqft)
Owner	Individual Name on File
Last Sale	$1,731,000 (May 2022)
Tax Bill	$8,929 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`053-191-11`

Property Details

APN / Parcel Number

Primary APN	`053-191-11`
Alternative APNs	`053-191-11-000` `05302223000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,320 sqft Living Area
Gross Area	2,804 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 2019
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	7,797 sqft (0.179 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	570 SAINT ANDREWS DR
City	APTOS
State	CA
Zip	95003-5423
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10
Legal Lot Number	346
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1011
Census Tract	122203

Owner

570 Saint Andrews Dr is owned and occupied by an individual who bought it in May 2022.

Source: Santa Cruz County records, as of August 19, 2026

Owner of Record	Individual Name on File
Mailing Address	570 SAINT ANDREWS DR, APTOS, CA 95003-5423
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2022 · Amount on File
Deed Sale	May 11, 2022 · Amount on File
Deed Document Number	202214988
Record Updated	Sep 20, 2026

May 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 11, 2022
Property Address	570 SAINT ANDREWS DR, APTOS, CA 95003-5423
Document Number	0000014988
Map Reference	MB 56 PG 32
Instrument Date	May 2, 2022
Instrument	2022-0014988
Transaction Type	Transfer
Record Updated	May 25, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,904.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	570 SAINT ANDREWS DR, APTOS, CA 95003-5423

Mortgage

Document Number	0000014989
Date	May 11, 2022
Instrument	2022-0014989

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Jun 1, 2029
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	8.5%
Index	Other
Margin	3
Max Rate	8.5%

Tax Assessment & Valuation

The 2025 property tax bill for 570 Saint Andrews Dr was $8,929 with a homeowner's exemption.

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		$667,103 (+2%) Land $453,630 Building $213,473
2025	$8,929.00 Homeowner's exemption	$654,022 Land $444,735 Building $209,287
2023	$20,369.00 (+261.79%)	$1,765,620 Land $1,200,622 Building $564,998	$1,524,150
2022	$5,630.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 570 Saint Andrews Dr in Zone X, an area of minimal flood risk.

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	3 in force

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

Wildfire risk around 570 Saint Andrews Dr is low, with a 0.01% annual chance of 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	0.01% annual chance
Exposure	None beyond ember reach

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

Nearby Properties on Saint Andrews Dr

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