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575 McDonald Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 575 McDonald Rd, Aptos, CA 95003

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 2,328 sqft · built 1974
Lot Size0.527 acres (22,956 sqft)
Owner2 Company Names on Record
Last Sale$550,000 (Apr 2009)
Tax Bill$8,418 (2025)
Deeds & MortgagesSep 2025 Transfer
Oct 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN041-461-28

Property Details

APN / Parcel Number

Primary APN041-461-28
Alternative APN
  • 041-461-28-000

Interior

Bedrooms2 Beds
Full Baths2 Baths
Total Rooms5 Rooms
Building Area2,328 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1974
Effective Year BuiltEffective 1974
Construction TypeWood
Roof MaterialComposition Shingle
Lot Area22,956 sqft (0.527 acres)
TerrainSteep
Deck Area520 sqft
Patio Area520 sqft

Utilities, Heating & Cooling

SewerSeptic
Water SourceCommercial

Location & Zoning

Street Address575 MCDONALD RD
CityAPTOS
StateCA
Zip95003-9613
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRA
Legal SubdivisionPARCEL
JurisdictionSANTA CRUZ CA
Township / Civil DivisionSANTA CRUZ
Census Block Group1
Census Block1001
Census Tract122204

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Company Names on Record
Mailing Address575 MCDONALD RD, APTOS, CA 95003-9613
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Revocable Trust

Deeds, Mortgages & Sale History

DateDocument
Sep 30, 2025Intrafamily Transfer, Transfer
Oct 29, 2020Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 3, 2009 · Amount on Record
Deed SaleApr 3, 2009 · Amount on Record
Prior SaleMay 28, 1999 · Amount on Record
Deed Document Number200914184
Last Transfer DateMar 5, 2011
Transfer Doc0000010968
Record UpdatedSep 20, 2026

September 2025: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSANTA CRUZ CA
Recording DateSep 30, 2025
Property Address575 MCDONALD RD, APTOS, CA 95003-9613
Document Number0000020741
Map ReferenceVOL 1 PG 20
Instrument DateSep 30, 2025
Instrument2025-0020741
Transaction TypeTransfer
Record UpdatedOct 17, 2025

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address575 MCDONALD RD, APTOS, CA 95003-9613

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address575 MCDONALD RD, APTOS, CA 95003-9613
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyAMROCK INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address575 MCDONALD RD, APTOS, CA 95003-9613

Mortgage

Document Number0000044694
DateOct 29, 2020
Instrument2020-0044694
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueNov 1, 2035

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
Unified School DistrictPajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$722,439 (+2%) Land $420,328 Building $302,111
2025$8,418.00 (+9.87%) Homeowner's exemption$708,273 (+4.04%) Land $412,086 Building $296,187
2023$7,662.00 (+1.87%) Homeowner's exemption$680,770 Land $396,084 Building $284,686$980,190
2022$7,521.00

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 40% of the US · lower than 76% of California
Wildfire Likelihood0.06% annual chance
ExposureDirect
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 SystemCENTRAL WATER DISTRICT
serves 2,726 people · EPA ID CA4410018
Water SourceGroundwater
Last State InspectionSep 2022
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 135 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Surfnet Communications
Fixed Wireless		100 / 20
AT&T
DSL · Fiber in parts of the area		100 / 20

May also be available: Cruzio, Etheric Networks, Xfinity.

Cell Coverage

4G LTE only, no 5G reported

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