Santa Cruz County property record for 640 Saint Andrews Dr, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,390 sqft · built 1976 |
| Lot Size | 0.178 acres (7,754 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,390,000 (Apr 2026) |
| Tax Bill | $10,728 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 053-022-12 |
| Primary APN | 053-022-12 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,390 sqft Living Area |
| Gross Area | 1,870 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 7,754 sqft (0.178 acres) |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 514 sqft |
| Patio Area | 514 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 640 SAINT ANDREWS DR |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-5425 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-10 |
| Legal Description | TR 587 |
| Legal Subdivision | COUNTRY CLUB PARK UN 16 TR #587 |
| Legal Tract | 587 |
| Legal Lot Number | 374 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 122203 |
640 Saint Andrews Dr is owned and occupied by two individuals who bought it in April 2026.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 640 SAINT ANDREWS DR, APTOS, CA 95003-5425 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 6, 2026 · Amount on File |
| Deed Sale | Apr 6, 2026 · Amount on File |
| Prior Sale | Sep 11, 2000 · Amount on File |
| Deed Document Number | 20267548 |
| Prior Transfer Date | Nov 26, 2012 |
| Prior Transfer Doc | 0000059906 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Apr 6, 2026 |
| Property Address | 640 SAINT ANDREWS DR, APTOS, CA 95003-5425 |
| Document Number | 0000007548 |
| Instrument Date | Mar 30, 2026 |
| Instrument | 20267548 |
| Transaction Type | Transfer |
| Record Updated | Jul 2, 2026 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $154,429.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 640 SAINT ANDREWS DR, APTOS, CA 95003-5425 |
| Document Number | 0000007549, |
|---|---|
| Date | Apr 6, 2026 |
| Instrument | 20267549 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.01% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
The 2025 property tax bill for 640 Saint Andrews Dr was $10,728, up 7.9% from the year before.
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $822,290 (+2%) Land $576,373 Building $245,917 | ||
| 2025 | $10,728.00 (+7.95%) | $806,166 Land $565,071 Building $241,095 | |
| 2024 | $9,938.00 (+2.19%) | ||
| 2023 | $9,725.00 (+2.27%) | $774,862 Land $543,129 Building $231,733 | $1,348,560 |
| 2022 | $9,509.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 640 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 risk around 640 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.
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 |
| 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.
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.
5G (outdoors only) and 4G LTE
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