Santa Cruz County property record for 651 Burns Ave, Aptos, CA 95003
| Property Type | Recreational Vacant Land |
|---|---|
| Details | 3 bd · 2.5 ba · 1,903 sqft · built 1989 |
| Lot Size | 0.409 acres (17,816 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $60,000 (Jul 1999) |
| Tax Bill | $5,170 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Jun 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-203-21 |
| Primary APN | 040-203-21 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Building Area | 1,903 sqft Gross Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 17,816 sqft (0.409 acres) |
| Terrain | Steep |
| Garage Type | Carport |
| Garage Area | 468 sqft |
| Carport | Carport |
| Carport Area | 468 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 214 sqft |
| Patio Area | 214 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 651 BURNS AVE |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-3404 |
| Property Category | Public Works |
| Property Type | Public Works > Recreational Vacant Land |
| Local Zoning Code | R-1-15 |
| Legal Description | BLK 6 LOT 21,22 |
| Legal Subdivision | MONTE TOYON/RIO DEL MAR 01 |
| Legal Block | 6 |
| Legal Lot Number | 22 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 122002 |
Source: Santa Cruz County records · APN 040-203-21
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 | PO BOX 2196, APTOS, CA 95001-2196 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Sep 04, 2020 | Deed of Trust, Mortgage · Conventional Mortgage KELLER MORTGAGE LLC |
| Jun 04, 2019 | Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 13, 1999 · Amount on Record |
| Deed Sale | Jul 13, 1999 · Amount on Record |
| Deed Document Number | 199947617 |
| Prior Transfer Date | Mar 02, 1998 |
| Prior Transfer Doc | 0000011924 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 651 BURNS AVE, APTOS, CA 95003-3404 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | SOLIDIFI |
| Name | Verified Name |
|---|---|
| Address | 651 BURNS AVE, APTOS, CA 95003-3404 |
| Document Number | 0000034665 |
|---|---|
| Date | Sep 04, 2020 |
| Instrument | 2020-0034665 |
| Name | KELLER MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DUBLIN, OH 43016 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 651 BURNS AVE, APTOS, CA 95003-3404 |
| Document Number | 0000017487 |
| Instrument Date | Jun 04, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 10, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | PO BOX 2196 APTOS CA 950012196, APTOS, CA 95001-2196 |
| Document Number | 0000017487 |
|---|---|
| Date | Jun 26, 2019 |
| Instrument | 17487 |
| Name | BANK OF THE WEST |
|---|---|
| Type | Bank |
| Address | OMAHA, NE 68154 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 25, 2049 |
| Rate Type | Adjustable Rate |
|---|
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 | $422,246 (+2%) Land $150,132 Building $272,114 | ||
| 2025 | $5,170.00 (+10.56%) | $413,968 (+4.04%) Land $147,188 Building $266,780 | |
| 2023 | $4,676.00 (+1.94%) | $397,892 Land $141,472 Building $256,420 | $1,197,000 |
| 2022 | $4,587.00 |
Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), as of July 10, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060871220021, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
|
| Wildfire Risk | Moderate above 57% of the US · lower than 66% of California |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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.
Based on FCC filings for 151 locations within half a mile of this property.
5G and 4G LTE (outdoors only)
Source: EPA Safe Drinking Water Information System, water system CA4410017, 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 |
| 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.
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