578 Cathedral Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 578 Cathedral Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,077 sqft · built 1976
Lot Size	0.094 acres (4,095 sqft)
Owner	2 Company Names on File
Last Sale	$560,000 (Jan 2019)
Tax Bill	$7,473 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Jul 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`040-203-04`

Property Details

APN / Parcel Number

Primary APN	`040-203-04`
Alternative APN	`040-203-04-000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,077 sqft Living Area
Gross Area	1,257 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Contemporary
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	4,095 sqft (0.094 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	180 sqft
Deck Area	209 sqft
Patio Area	209 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	578 CATHEDRAL DR
City	APTOS
State	CA
Zip	95003-3407
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Description	BLK 6 LOT 4
Legal Subdivision	MONTE TOYON/RIO DEL
Legal Block	6
Legal Lot Number	4
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1016
Census Tract	122002

Owner

Source: Santa Cruz County assessment roll, 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 Company Names on File
Mailing Address	578 CATHEDRAL DR, APTOS, CA 95003-3407
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2023	Deed of Trust, Mortgage · Line of Credit SANTA CRUZ COUNTY BANK
Jul 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage ACADEMY MORTGAGE CORP
Dec 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage ACADEMY MORTGAGE CORP
Jan 15, 2019	Grant Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP
Feb 8, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 15, 2019 · Amount on Record
Deed Sale	Jan 15, 2019 · Amount on Record
Prior Sale	Aug 22, 2011 · Amount on Record
Deed Document Number	20191181
Last Transfer Date	Feb 28, 2025
Transfer Doc	0000003814
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	578 CATHEDRAL DR, APTOS, CA 95003-3407
Transaction Type	Mortgage
Record Updated	Oct 25, 2023
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	578 CATHEDRAL DR, APTOS, CA 95003-3407

Mortgage

Document Number	0000019664
Date	Oct 13, 2023
Instrument	2023-0019664

Lender

Name	SANTA CRUZ COUNTY BANK
Type	Bank
Address	FAIRFIELD, CA 94534

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	578 CATHEDRAL DR, APTOS, CA 95003-3407
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020975
Date	Jul 25, 2019
Instrument	2019-0020975

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2039

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	578 CATHEDRAL DR, APTOS, CA 95003-3407
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITL

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	578 CATHEDRAL DR, APTOS, CA 95003-3407

Mortgage

Document Number	0000056686
Date	Dec 28, 2020
Instrument	2020-0056686

Lender

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

Agreement

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

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 15, 2019
Property Address	578 CATHEDRAL DR, APTOS, CA 95003-3407
Document Number	0000001181
Map Reference	MB 24 PG 22
Instrument Date	Dec 27, 2018
Instrument	2019-0001181
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Address	578 CATHEDRAL DR, APTOS, CA 95003-3407

Mortgage

Document Number	0000001182
Date	Jan 15, 2019
Instrument	2019-0001182

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

Mortgage

Document Number	0000001182
Date	Jan 15, 2019
Instrument	2019-0001182

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 8, 2017
Property Address	578 CATHEDRAL DR, APTOS, CA 95003-3407
Document Number	0000004845
Instrument Date	Jan 27, 2017
Instrument	4845
Transaction Type	Transfer
Record Updated	Mar 6, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	578 CATHEDRAL DR APTOS CA 950033407, APTOS, CA 95003-3407

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		$637,184 (+2%) Land $477,888 Building $159,296
2025	$7,473.00 (+8.26%)	$624,691 (+4.04%) Land $468,518 Building $156,173
2024	$6,903.00 (+1.63%)
2023	$6,792.00 (+1.89%) Homeowner's exemption	$600,433 Land $450,325 Building $150,108	$579,240
2022	$6,666.00

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	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	Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 2 claims

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	Moderate above 65% of the US · above 40% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation at the parcel

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 151 locations within half a mile, as of December 31, 2025

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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