643 Saint Andrews Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 643 Saint Andrews Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,710 sqft · built 1977
Lot Size	0.195 acres (8,494 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Sep 1997)
Tax Bill	$7,402 (2025)
Deeds & Mortgages	Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`053-021-27`

Property Details

APN / Parcel Number

Primary APN	`053-021-27`
Alternative APN	`053-021-27-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,710 sqft Living Area
Gross Area	2,298 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	8,494 sqft (0.195 acres)
Garage Type	Attached
Garage Area	588 sqft
Parking Spaces	2 Parking Spaces
Deck Area	159 sqft
Patio Area	159 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	643 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 Description	TRACT 587 LOT 385
Legal Subdivision	COUNTRY CLUB PARK UN 16 TR #587
Legal Tract	587
Legal Lot Number	385
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1007
Census Tract	122203

Owner

Source: Santa Cruz County records · APN 053-021-27

Assessment roll updated August 19, 2026 · Last verified August 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	643 SAINT ANDREWS DR, APTOS, CA 95003-5424
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 26, 1997 · Amount on Record
Deed Sale	Sep 26, 1997 · Amount on Record
Deed Document Number	199744682
Last Transfer Date	Jun 27, 2003
Transfer Doc	0000063251
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	643 SAINT ANDREWS DR, APTOS, CA 95003-5424
Transaction Type	Mortgage
Record Updated	May 12, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 SAINT ANDREWS DR, APTOS, CA 95003-5424

Mortgage

Document Number	0000025004
Date	Apr 30, 2021
Instrument	2021-0025004

Lender

Name	PREMIER MORTGAGE RESOURCES LLC
Type	Mortgage Company
Address	PORTLAND, OR 97209

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2051

Tax Assessment & Valuation

Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$529,333 (+2%) Land $317,600 Building $211,733
2025	$7,402.00 (+11.12%) Homeowner's exemption	$518,954 (+4.04%) Land $311,373 Building $207,581
2023	$6,661.00 (+2.54%) Homeowner's exemption	$498,802 Land $299,282 Building $199,520	$1,447,650
2022	$6,496.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 10, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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 Internet, Etheric Communications, LLC., Surfnet Communications.

Based on FCC filings for 519 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SOQUEL CREEK WATER DISTRICT serves 40,962 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.