603 Rincon Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 603 Rincon Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,161 sqft · built 1977
Lot Size	0.412 acres (17,947 sqft)
Owner	2 Individual Names on Record
Last Sale	$729,500 (May 2018)
Tax Bill	$10,420 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit May 2019 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`044-051-33`

Property Details

APN / Parcel Number

Primary APN	`044-051-33`
Alternative APN	`044-051-33-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,161 sqft Living Area
Gross Area	1,601 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Construction Type	Wood
Roof Material	Other
Lot Area	17,947 sqft (0.412 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Deck Area	143 sqft
Patio Area	143 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	603 RINCON DR
City	APTOS
State	CA
Zip	95003-4840
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10-SP
Legal Subdivision	DEER PARK VILLA SITES 01
Legal Lot Number	107
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1003
Census Tract	122202

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	2 Individual Names on Record
Mailing Address	603 RINCON DR, APTOS, CA 95003-4840
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2022	Deed of Trust, Mortgage · Line of Credit UMPQUA BANK
May 28, 2019	Deed of Trust, Mortgage · Line of Credit COMERICA BANK
Aug 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOMEPLUS CORP
Nov 13, 2019	Deed of Trust, Mortgage · Conventional with PMI MICHIGAN MUTUAL
May 4, 2018	Grant Deed, Transfer · Conventional Mortgage MICHIGAN MUTUAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2018 · Amount on Record
Deed Sale	May 4, 2018 · Amount on Record
Prior Sale	Aug 31, 2011 · Amount on Record
Deed Document Number	201813565
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	603 RINCON DR, APTOS, CA 95003-4840
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	603 RINCON DR, APTOS, CA 95003-4840

Mortgage

Document Number	0000022672
Date	Aug 8, 2022
Instrument	2022-0022672

Lender

Name	UMPQUA BANK
Type	Bank
Address	ROSEBURG, OR 97470

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	603 RINCON DR, APTOS, CA 95003-4840
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014158
Date	May 28, 2019
Instrument	2019-0014158

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

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	603 RINCON DR, APTOS, CA 95003-4840
Document Number	0000038808
Instrument Date	Aug 24, 2020
Transaction Type	Mortgage
Record Updated	Nov 6, 2020
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	603 RINCON DR APTOS CA 950034840, APTOS, CA 95003-4840

Mortgage

Document Number	0000038808
Date	Sep 29, 2020
Instrument	38808

Lender

Name	HOMEPLUS CORP
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 28, 2040

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	603 RINCON DR, APTOS, CA 95003-4840
Document Number	0000035787
Instrument Date	Nov 13, 2019
Transaction Type	Mortgage
Record Updated	Dec 9, 2019
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	603 RINCON DR APTOS CA 950034840, APTOS, CA 95003-4840

Mortgage

Document Number	0000035787
Date	Nov 18, 2019
Instrument	35787

Lender

Name	MICHIGAN MUTUAL
Type	Funding / Finance Company
Address	PORT HURON, MI 48060

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 17, 2049

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 4, 2018
Property Address	603 RINCON DR, APTOS, CA 95003-4840
Document Number	0000013565
Instrument Date	May 1, 2018
Instrument	13565
Transaction Type	Transfer
Record Updated	Jun 1, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$802.45
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	603 RINCON DR APTOS CA 950034840, APTOS, CA 95003-4840

Mortgage

Document Number	13566
Date	May 4, 2018
Instrument	13566

Lender

Name	MICHIGAN MUTUAL
Type	Funding / Finance Company
Address	PORT HURON, MI 48060

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 3, 2048

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		$846,647 (+2%) Land $592,653 Building $253,994
2025	$10,420.00 (+13.16%) Homeowner's exemption	$830,047 (+4.04%) Land $581,033 Building $249,014
2023	$9,208.00 (+1.79%) Homeowner's exemption	$797,814 Land $558,470 Building $239,344	$804,780
2022	$9,046.00

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	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.

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