630 Encino Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 630 Encino Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,414 sqft · built 1976
Lot Size	0.177 acres (7,710 sqft)
Owner	2 Individual Names on File
Last Sale	$785,000 (Sep 2026)
Tax Bill	$10,462 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`044-151-06`

Property Details

APN / Parcel Number

Primary APN	`044-151-06`
Alternative APN	`044-151-06-000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,414 sqft Living Area
Basement Area	261 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Conventional
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	7,710 sqft (0.177 acres)
Deck Area	620 sqft
Patio Area	620 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	630 ENCINO DR
City	APTOS
State	CA
Zip	95003-4861
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10-SP
Legal Description	LOT 295
Legal Subdivision	DEER PARK VILLA SITES
Legal Lot Number	295
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1003
Census Tract	122202

Owner

630 Encino Dr is owned and occupied by two individuals who bought it in September 2026.

Source: Santa Cruz County records, as of September 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	630 ENCINO DR, APTOS, CA 95003-4861
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

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 11, 2026	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Jan 5, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage TRUE PATH LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2026 · Amount on File
Deed Sale	Sep 11, 2026 · Amount on File
Prior Sale	Feb 27, 2018 · Amount on File
Deed Document Number	202620514
Prior Transfer Date	Dec 30, 2021
Prior Transfer Doc	0000000316
Record Updated	Oct 29, 2026

September 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 11, 2026
Property Address	630 ENCINO DR, APTOS, CA 95003-4861
Document Number	0000020514
Instrument Date	Sep 4, 2026
Instrument	202620514
Transaction Type	Transfer
Record Updated	Sep 22, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$87,213.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	630 ENCINO DR, APTOS, CA 95003-4861

Mortgage

Document Number	0000020515,
Date	Sep 11, 2026
Instrument	202620515

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 5, 2022
Property Address	630 ENCINO DR, APTOS, CA 95003-4861
Document Number	0000000316
Map Reference	MB 24 PG 20
Instrument Date	Dec 30, 2021
Instrument	2022-0000316
Transaction Type	Transfer
Record Updated	Aug 22, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	630 ENCINO DR, APTOS, CA 95003-4861

Mortgage

Document Number	0000000317
Date	Jan 5, 2022
Instrument	2022-0000317

Lender

Name	TRUE PATH LOANS INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 630 Encino Dr was $10,462 with a homeowner's exemption, up 11.3% from the year before.

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		$850,292 (+2%) Land $557,568 Building $292,724
2025	$10,462.00 (+11.32%) Homeowner's exemption	$833,619 Land $546,635 Building $286,984
2024	$9,398.00 (+1.65%)
2023	$9,245.00 (+1.79%) Homeowner's exemption	$801,249 Land $525,409 Building $275,840	$816,570
2022	$9,082.00

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

Flood

FEMA maps place 630 Encino Dr in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1982.

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

Wildfire risk around 630 Encino Dr is low, with a 0.02% 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	0.02% 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.

Nearby Properties on Encino Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures