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605 Cathedral Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 605 Cathedral Dr, Aptos, CA 95003 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,095 sqft · built 1978
Lot Size0.219 acres (9,540 sqft)
OwnerIndividual Name on File
Last Sale$449,000 (Feb 2013)
Tax Bill$6,740 (2025)
Deeds & MortgagesFeb 2021 Mortgage
Oct 2018 Line of Credit
Flood ZoneZone X (minimal risk)
APN040-217-02

Property Details

APN / Parcel Number

Primary APN040-217-02
Alternative APN
  • 040-217-02-000

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Stories2 Stories
Building Area2,095 sqft Living Area
Gross Area2,335 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1978
Effective Year BuiltEffective 1978
Architectural StyleContemporary
Exterior MaterialWood Siding
Construction TypeWood
Roof TypeSawtooth
Roof MaterialComposition Shingle
Lot Area9,540 sqft (0.219 acres)
TerrainSteep
Garage TypeAttached
Garage Area240 sqft
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerSeptic
Water SourceCommercial

Location & Zoning

Street Address605 CATHEDRAL DR
CityAPTOS
StateCA
Zip95003-3406
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal SubdivisionMONTE TOYON/DEL MAR SUB #1
JurisdictionSANTA CRUZ CA
Township / Civil DivisionSANTA CRUZ
Census Block Group1
Census Block1016
Census Tract122002

Owner

Source: Santa Cruz County records · APN 040-217-02

Assessment roll updated August 19, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address605 CATHEDRAL DR, APTOS, CA 95003-3406
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Feb 26, 2021Deed of Trust, Mortgage · Conventional Mortgage
BAY FCU
Oct 22, 2018Deed of Trust, Mortgage · Line of Credit
WELLS FARGO BANK NA

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleFeb 25, 2013 · Amount on Record
Deed SaleFeb 25, 2013 · Amount on Record
Prior SaleMar 29, 2011 · Amount on Record
Deed Document Number20139512
Prior Transfer DateAug 01, 2006
Prior Transfer Doc0000047003
Record UpdatedSep 20, 2026

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address605 CATHEDRAL DR, APTOS, CA 95003-3406
Transaction TypeMortgage
Record UpdatedMar 09, 2021
Title CompanySTEWART TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address605 CATHEDRAL DR, APTOS, CA 95003-3406

Mortgage

Document Number0000012131
DateFeb 26, 2021
Instrument2021-0012131
Lender
NameBAY FCU
TypeCredit Union
AddressCAPITOLA, CA 95010
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2051

October 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address605 CATHEDRAL DR, APTOS, CA 95003-3406
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000031849
DateOct 22, 2018
Instrument2018-0031849
Lender
NameWELLS FARGO BANK NA
TypeBank
AddressSIOUX FALLS, SD 57104
Agreement
TypeLine of Credit
AmountAmount Recorded
Term361 Months
DueNov 13, 2048

Tax Assessment & Valuation

Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2026$563,970 (+2%) Land $225,588 Building $338,382
2025$6,740.00 (+10.11%)$552,912 (+4.04%) Land $221,165 Building $331,747
2023$6,121.00 (+1.88%)$531,442 Land $212,577 Building $318,865$756,630
2022$6,008.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060871220021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies5 in force
Nearby Flood Claims7 (1982–2000)
Claims Outside the SFHA6 of 7
Most Recent ClaimFeb 2000, rainfall accumulation
Claims By Storm
  • Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 2 claims

Wildfire

Wildfire RiskModerate
above 66% of the US · above 40% of California
Wildfire LikelihoodAbout 1 in 649 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 151 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable1,200 / 35
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: T-Mobile USA, Verizon, AT&T, Surfnet Communications, Cruzio Internet. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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