601 Valencia Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 601 Valencia Rd, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,476 sqft · built 1979
Lot Size	0.091 acres (3,964 sqft)
Owner	Individual Name on Record
Last Sale	$48,127 (Jun 2015)
Tax Bill	$5,433 (2025)
Deeds & Mortgages	May 2019 Line of Credit Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`041-092-10`

Property Details

APN / Parcel Number

Primary APN	`041-092-10`
Alternative APN	`041-092-10-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,476 sqft Living Area

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	3,964 sqft (0.091 acres)

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	601 VALENCIA RD
City	APTOS
State	CA
Zip	95003-9761
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10
Legal Subdivision	FOREST GLEN 02
Legal Lot Number	63,64
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1023
Census Tract	122002

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	Individual Name on Record
Mailing Address	601 VALENCIA RD, APTOS, CA 95003-9761
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 16, 2019	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Apr 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC
Dec 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage MASON MCDUFFIE MORTGAGE CORP
Jan 25, 2022	Deed of Trust, Mortgage · Line of Credit COMERICA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 23, 2015 · Amount on Record
Deed Sale	Jun 23, 2015 · Amount on Record
Prior Sale	May 30, 2013 · Amount on Record
Deed Document Number	201524828
Prior Transfer Date	Jun 8, 2012
Prior Transfer Doc	0000028098
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	601 VALENCIA RD, APTOS, CA 95003-9761
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013151
Date	May 16, 2019
Instrument	2019-0013151

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	SILVERDALE, WA 98383

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	601 VALENCIA RD, APTOS, CA 95003-9761
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013582
Date	Apr 21, 2020
Instrument	2020-0013582

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

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

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	601 VALENCIA RD, APTOS, CA 95003-9761
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	601 VALENCIA RD, APTOS, CA 95003-9761

Mortgage

Document Number	0000054634
Date	Dec 17, 2020
Instrument	2020-0054634

Lender

Name	MASON MCDUFFIE MORTGAGE CORP
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 2, 2051

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	601 VALENCIA RD, APTOS, CA 95003-9761
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	601 VALENCIA RD, APTOS, CA 95003-9761

Mortgage

Document Number	0000002398
Date	Jan 25, 2022
Instrument	2022-0002398

Lender

Name	COMERICA BANK
Type	Bank
Address	DALLAS, TX 75201

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 18, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$339,135 (+2%) Land $163,287 Building $175,848
2025	$5,433.00 (+8.31%) Homeowner's exemption	$332,486 (+4.04%) Land $160,086 Building $172,400
2023	$5,016.00 (+2.91%) Homeowner's exemption	$319,575 Land $153,869 Building $165,706	$639,090
2022	$4,874.00

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	Low lower than 62% of the US · lower than 77% of California
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 221 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

May also be available: Cruzio, Etheric Networks, Surfnet Communications.

Cell Coverage

4G LTE only, no 5G reported

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