Santa Cruz County property record for 645 Cathedral Dr, Aptos, CA 95003 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 1 Beds |
| Bathrooms | 1.5 Baths |
| Year Built | Built 1965 |
| Square Footage | 1,057 sqft Living Area |
| Lot Size | 10,149 sqft (0.233 acres) |
| Last Sale | $725,000 (2020) |
| Tax Bill | $9,361.00 (2025) |
| Primary APN | 040-201-32 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 3 Rooms |
| Building Area | 1,057 sqft Living Area |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Construction Type | Wood Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 10,149 sqft (0.233 acres) |
| Deck Area | 180 sqft Deck |
| Patio Area | 180 sqft Patio |
| Topography | Steep Topography |
| Cooling System | Wall Unit Cooling |
|---|---|
| Heating System | Floor/Wall Furnace Heating |
| Street Address | 645 CATHEDRAL DR |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-3406 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Subdivision | MONTE TOYON 01/RIO DEL MAR |
| Legal Lot Number | 34 |
| Jurisdiction | SANTA CRUZ CA |
| Minor Civil Division | SANTA CRUZ |
| Census Blockgroup | 1 |
| Census Block | 1016 |
| Census Tract | 122002 |
Source: Santa Cruz County records · APN 040-201-32
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 | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 821, CAPITOLA, CA 95010-0821 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 14, 2022 | Deed of Trust, Mortgage · Line of Credit PENTAGON FCU |
| Oct 22, 2020 | Grant Deed, Transfer · Conventional Mortgage MASON MCDUFFIE MORTGAGE CORP |
| Oct 22, 2020 | Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO |
| Oct 22, 2020 | Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 22, 2020 · Amount on Record |
| Deed Sale | Oct 22, 2020 · Amount on Record |
| Deed Doc Number | 202043306 |
| Prior Transfer Date | Oct 07, 2020 |
| Prior Transfer Doc | 0000043305 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 645 CATHEDRAL DR, APTOS, CA 95003-3406 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2022 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 645 CATHEDRAL DR, APTOS, CA 95003-3406 |
| Document Number | 0000018066 |
|---|---|
| Date | Jun 14, 2022 |
| Instrument | 2022-0018066 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | MC LEAN, VA 22102 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 22, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Oct 22, 2020 |
| Property Address | 645 CATHEDRAL DR, APTOS, CA 95003-3406 |
| Document Number | 0000043306 |
| Map Reference | MB 24 PG 22 |
| Instrument Date | Oct 07, 2020 |
| Instrument | 2020-0043306 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | FIDELITY NATIONAL TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 821, CAPITOLA, CA 95010-0821 |
| Document Number | 0000043307 |
|---|---|
| Date | Oct 22, 2020 |
| Instrument | 2020-0043307 |
| Name | MASON MCDUFFIE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Oct 22, 2020 |
| Property Address | 645 CATHEDRAL DR, APTOS, CA 95003-3406 |
| Document Number | 0000043305 |
| Instrument Date | Oct 07, 2020 |
| Instrument | 43305 |
| Transaction Type | Transfer |
| Record Updated | Nov 06, 2020 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 331 ARLINGTON ST SAN FRANCISCO CA 941313013, SAN FRANCISCO, CA 94131-3013 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Oct 22, 2020 |
| Property Address | 645 CATHEDRAL DR, APTOS, CA 95003-3406 |
| Document Number | 0000043304 |
| Instrument Date | Sep 29, 2020 |
| Instrument | 43304 |
| Transaction Type | Transfer |
| Record Updated | Nov 06, 2020 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 645 CATHEDRAL DR APTOS CA 950033406, APTOS, CA 95003-3406 |
Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
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 | $800,459 (+2%) Land $600,344 Building $200,115 | ||
| 2025 | $9,361.00 (+9.7%) | $784,763 (+4.04%) Land $588,572 Building $196,191 | |
| 2023 | $8,533.00 (+1.84%) | $754,291 Land $565,718 Building $188,573 | $722,970 |
| 2022 | $8,379.00 |
645 Cathedral Dr is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect wildfire exposure (Moderate risk).
Source: FEMA National Flood Hazard Layer · Santa Cruz County (06087C), updated July 10, 2019
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Moderate 58th percentile of exposed land nationally · 34th in California |
|---|---|
| Wildfire Likelihood | Moderate — about 1 in 694 per year |
| Exposure | Indirect within ember reach of burnable land · adjoins burnable vegetation |
Values are read at the parcel center point; lenders make the official flood determination.
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