631 Burns Ave, Aptos, CA 95003 Property Records

Santa Cruz County property record for 631 Burns Ave, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,824 sqft · built 1978
Lot Size	0.147 acres (6,403 sqft)
Owner	2 Individual Names on File
Last Sale	$735,000 (Feb 2018)
Tax Bill	$9,864 (2025)
Deeds & Mortgages	May 2023 Line of Credit Apr 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`040-203-38`

Property Details

APN / Parcel Number

Primary APN	`040-203-38`
Alternative APN	`040-203-38-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	1,824 sqft Living Area
Gross Area	2,220 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	6,403 sqft (0.147 acres)
Garage Type	Attached
Garage Area	396 sqft
Parking Spaces	1 Parking Space
Deck Area	292 sqft
Patio Area	292 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	631 BURNS AVE
City	APTOS
State	CA
Zip	95003-3404
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Subdivision	MONTE TOYON/RIO DEL MAR 01
Legal Block	6
Legal Lot Number	47
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1016
Census Tract	122002

Owner

Source: Santa Cruz County assessment roll, 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 File
Mailing Address	631 BURNS AVE, APTOS, CA 95003-3404
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
May 30, 2023	Deed of Trust, Mortgage · Line of Credit PROVIDENT CU
Apr 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Mar 18, 2019	Deed of Trust, Mortgage · Line of Credit FREMONT BANK
Jul 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage CF BANK
Feb 12, 2018	Grant Deed, Transfer · Conventional Mortgage STEARNS LNDG
Jan 17, 2017	Trustee's Deed, Foreclosure OLD REPUBLIC TITLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 12, 2018 · Amount on Record
Deed Sale	Feb 12, 2018 · Amount on Record
Prior Sale	Jan 17, 2017 · Amount on Record
Deed Document Number	20184333
Prior Transfer Date	Mar 18, 2016
Prior Transfer Doc	0000009408
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	631 BURNS AVE, APTOS, CA 95003-3404
Transaction Type	Mortgage
Record Updated	Jun 14, 2023
Title Company	CHICAGO TITLE PIRT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	631 BURNS AVE, APTOS, CA 95003-3404

Mortgage

Document Number	0000009390
Date	May 30, 2023
Instrument	2023-0009390

Lender

Name	PROVIDENT CU
Type	Credit Union
Address	REDWOOD CITY, CA 94065

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	631 BURNS AVE, APTOS, CA 95003-3404
Transaction Type	Mortgage
Record Updated	Apr 14, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	631 BURNS AVE, APTOS, CA 95003-3404

Mortgage

Document Number	0000019012
Date	Apr 2, 2021
Instrument	2021-0019012

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	631 BURNS AVE, APTOS, CA 95003-3404
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006701
Date	Mar 18, 2019
Instrument	2019-0006701

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 12, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	631 BURNS AVE, APTOS, CA 95003-3404
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019580
Date	Jul 12, 2019
Instrument	2019-0019580

Lender

Name	CF BANK
Type	Bank
Address	COLUMBUS, OH 43085

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2034

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 12, 2018
Property Address	631 BURNS AVE, APTOS, CA 95003-3404
Document Number	0000004333
Instrument Date	Jan 26, 2018
Instrument	4333
Transaction Type	Transfer
Record Updated	Feb 27, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$808.50
Amount Accuracy	Full Value
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	631 BURNS AVE APTOS CA 950033404, APTOS, CA 95003-3404

Mortgage

Document Number	4334
Date	Feb 12, 2018
Instrument	4334

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 11, 2048

January 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 17, 2017
Property Address	631 BURNS AVE, APTOS, CA 95003-3404
Document Number	0000001728
Instrument Date	Jan 6, 2017
Instrument	1728
Transaction Type	Foreclosure
Record Updated	Jan 31, 2017
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Tax	$786.50
Amount Accuracy	Confirmed
Additional	Notice of Default

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust

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		$845,781 (+2%) Land $660,087 Building $185,694
2025	$9,864.00 (+9.66%)	$829,197 (+4.04%) Land $647,144 Building $182,053
2023	$8,995.00 (+1.83%)	$796,998 Land $622,015 Building $174,983	$1,179,360
2022	$8,833.00

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	5 in force
Nearby Flood Claims	7 (1982–2000)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Feb 2000 · rainfall accumulation
Claims by Event	Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 2 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 65% of the US · above 40% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation at the parcel

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 151 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: AT&T, Cruzio Internet, Surfnet Communications, T-Mobile USA, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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