619 Saint Andrews Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 619 Saint Andrews Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,750 sqft · built 1977
Lot Size	0.216 acres (9,409 sqft)
Owner	2 Individual Names on File
Last Sale	$1,260,000 (Jun 2018)
Tax Bill	$17,789 (2025)
Deeds & Mortgages	May 2022 Line of Credit Oct 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`053-021-29`

Property Details

APN / Parcel Number

Primary APN	`053-021-29`
Alternative APN	`053-021-29-000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,750 sqft Living Area
Gross Area	3,278 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	9,409 sqft (0.216 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	314 sqft
Patio Area	314 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	619 SAINT ANDREWS DR
City	APTOS
State	CA
Zip	95003-5424
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10
Legal Subdivision	COUNTRY CLUB PARK UN 16 TR #587
Legal Lot Number	387
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1007
Census Tract	122203

Owner

619 Saint Andrews Dr is owned and occupied by two individuals who bought it in June 2018.

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 Record	2 Individual Names on File
Mailing Address	619 SAINT ANDREWS DR, APTOS, CA 95003-5424
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 11, 2022	Deed of Trust, Mortgage · Line of Credit PARTNERS FCU
Oct 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Jun 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Sep 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST BANK
Jun 1, 2018	Grant Deed, Transfer · ARM SIMMONS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2018 · Amount on File
Deed Sale	Jun 1, 2018 · Amount on File
Prior Sale	Sep 5, 2013 · Amount on File
Deed Document Number	201816707
Prior Transfer Date	Jun 4, 2001
Prior Transfer Doc	0000037644
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	619 SAINT ANDREWS DR, APTOS, CA 95003-5424
Transaction Type	Mortgage
Record Updated	May 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	619 ST ANDREWS DR, APTOS, CA 95003-5424

Mortgage

Document Number	0000015034
Date	May 11, 2022
Instrument	2022-0015034

Lender

Name	PARTNERS FCU
Type	Credit Union
Address	ORLANDO, FL 32821

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	May 21, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	619 SAINT ANDREWS DR, APTOS, CA 95003-5424
Transaction Type	Mortgage
Record Updated	Oct 26, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	619 SAINT ANDREWS DR, APTOS, CA 95003-5424

Mortgage

Document Number	0000051430
Date	Oct 12, 2021
Instrument	2021-0051430

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	619 SAINT ANDREWS DR, APTOS, CA 95003-5424
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020881
Date	Jun 15, 2020
Instrument	2020-0020881

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	619 SAINT ANDREWS DR, APTOS, CA 95003-5424
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025844
Date	Sep 3, 2019
Instrument	2019-0025844

Lender

Name	SUNTRUST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2049

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 1, 2018
Property Address	619 SAINT ANDREWS DR, APTOS, CA 95003-5424
Document Number	0000016707
Map Reference	MB 59 PG 3
Instrument Date	May 24, 2018
Instrument	2018-0016707
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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
Relationship	Joint Tenants
Address	619 SAINT ANDREWS DR, APTOS, CA 95003-5424

Mortgage

Document Number	0000016708
Date	Jun 1, 2018
Instrument	2018-0016708

Lender

Name	SIMMONS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Jul 1, 2025
Change Frequency	Annually
Min Rate At Change	4.37%
Max Rate At Change	9.37%
Index	1-Year LIBOR
Max Rate	9.37%

Tax Assessment & Valuation

The 2025 property tax bill for 619 Saint Andrews Dr was $17,789 with a homeowner's exemption.

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		$1,466,500 (+2%) Land $950,520 Building $515,980
2025	$17,789.00 Homeowner's exemption	$1,437,745 Land $931,882 Building $505,863
2023	$16,176.00 (+2.06%) Homeowner's exemption	$1,377,994 Land $895,696 Building $482,298	$1,463,130
2022	$15,850.00

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

Flood

FEMA maps place 619 Saint Andrews Dr in Zone X, an area of minimal flood risk.

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	3 in force

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

Wildfire risk around 619 Saint Andrews Dr is low, with a 0.01% annual chance of 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	0.01% 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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