622 Seacliff Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 622 Seacliff Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,195 sqft · built 1980
Lot Size	0.102 acres (4,443 sqft)
Owner	2 Trust Names on File
Last Sale	$329,000 (Jul 1997)
Tax Bill	$7,783 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2017 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`038-164-21`

Property Details

APN / Parcel Number

Primary APN	`038-164-21`
Alternative APN	`038-164-21-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,195 sqft Living Area
Gross Area	2,435 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	4,443 sqft (0.102 acres)
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Deck Area	615 sqft
Patio Area	615 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	622 SEACLIFF DR
City	APTOS
State	CA
Zip	95003-3539
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-4
Legal Description	BLK 2 LOT 10
Legal Subdivision	SEACLIFF PARK 04
Legal Lot Number	10
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1031
Census Tract	122100

Owner

622 Seacliff Dr is owner-occupied and held in a trust since November 2019.

Source: Santa Cruz County records, as of August 19, 2026

Owner of Record	2 Trust Names on File
Mailing Address	622 SEACLIFF DR, APTOS, CA 95003-3539
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Family Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Sep 7, 2017	Deed of Trust, Mortgage · ARM MUFG UNION BANK NA
Apr 16, 2018	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TECHNOLOGY CU
Feb 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage POINT DIGITAL FIN INC
Dec 2, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Dec 2, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 1997 · Amount on File
Deed Sale	Jul 25, 1997 · Amount on File
Deed Document Number	199733763
Last Transfer Date	Nov 29, 2019
Transfer Doc	0000037379
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	622 SEACLIFF DR, APTOS, CA 95003-3539
Transaction Type	Mortgage
Record Updated	Oct 5, 2021
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	622 SEACLIFF DR, APTOS, CA 95003-3539

Mortgage

Document Number	0000048242
Date	Sep 21, 2021
Instrument	2021-0048242

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

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

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	622 SEACLIFF DR, APTOS, CA 95003-3539
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029719
Date	Sep 7, 2017
Instrument	2017-0029719

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Oct 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.87%
Index	1-Year LIBOR
Max Rate	9.87%

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	622 SEACLIFF DR, APTOS, CA 95003-3539
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011165
Date	Apr 16, 2018
Instrument	2018-0011165

Lender

Name	TECHNOLOGY CU
Type	Credit Union
Address	SAN JOSE, CA 95131

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	300 Months
Due	Apr 20, 2043

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	622 SEACLIFF DR, APTOS, CA 95003-3539
Document Number	0000005895
Instrument Date	Feb 12, 2020
Transaction Type	Mortgage
Record Updated	Mar 10, 2020
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	622 SEACLIFF DR APTOS CA 950033539, APTOS, CA 95003-3539

Mortgage

Document Number	0000005895
Date	Feb 20, 2020
Instrument	5895

Lender

Name	POINT DIGITAL FIN INC
Address	PALO ALTO, CA 94302

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 2, 2019
Property Address	622 SEACLIFF DR, APTOS, CA 95003-3539
Document Number	0000037379
Instrument Date	Nov 29, 2019
Instrument	37379
Transaction Type	Transfer
Record Updated	Dec 19, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	622 SEACLIFF DR APTOS CA 950033539, APTOS, CA 95003-3539

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 2, 2019
Property Address	622 SEACLIFF DR, APTOS, CA 95003-3539
Document Number	0000037380
Instrument Date	Nov 13, 2019
Instrument	37380
Transaction Type	Transfer
Record Updated	Dec 19, 2019
Title Company	NOT AVAILABLE

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	622 SEACLIFF DR APTOS CA 950033539, APTOS, CA 95003-3539

Tax Assessment & Valuation

The 2025 property tax bill for 622 Seacliff Dr was $7,783.

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		$557,074 (+2%) Land $321,511 Building $235,563
2025	$7,783.00	$546,150 Land $315,206 Building $230,944
2023	$7,014.00 (+2.48%)	$524,943 Land $302,967 Building $221,976	$1,275,570
2022	$6,844.00

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

Flood

FEMA maps place 622 Seacliff Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 23 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	12 (1982–2023)
Claims Outside the SFHA	1 of 12
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 6 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 3 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

Wildfire risk around 622 Seacliff 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 561 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
Starlink Satellite	280 / 30
Etheric Networks Fixed Wireless	250 / 100

May also be available: Cruzio, Surfnet Communications, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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