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653 Cliff Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 653 Cliff Dr, Aptos, CA 95003 · Last verified August 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms3 Baths
Year BuiltBuilt 1996
Square Footage2,242 sqft Living Area
Lot Size7,971 sqft (0.183 acres)
Garage417 sqft
Last Sale$1,125,000 (2018)
Tax Bill$16,081.00 (2025)

Property Details

APN / Parcel Number

Primary APN043-061-21
Alternative APN
  • 043-061-21-000

Interior

Bedrooms3 Beds
Full Baths3 Baths
Total Rooms6 Rooms
Building Area2,242 sqft Living Area

Exterior

Year BuiltBuilt 1979
Effective Year BuiltEffective 1996
Construction TypeWood Construction
Roof MaterialComposition Shingle Roof
Lot Area7,971 sqft (0.183 acres)
Parking Spaces2 Parking Spaces
Garage Area417 sqft Garage
Deck Area251 sqft Deck
Patio Area251 sqft Patio

Utilities and HVAC

Heating SystemForced Air with Air Conditioning Heating
SewageMunicipal Sewage
Water SourceCommercial Water Source

Location & Zoning

Street Address653 CLIFF DR
CityAPTOS
StateCA
Zip95003-5325
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionTR 39
Legal SubdivisionRIO DEL MAR COUNTRY CLUB PROPERTIES
Legal Tract39
Legal Block71
Legal Lot Number60
JurisdictionSANTA CRUZ CA
Minor Civil DivisionSANTA CRUZ
Census Blockgroup2
Census Block2002
Census Tract122205

Owner

Source: Santa Cruz County records · APN 043-061-21

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 Record2 Individual Names on File
Mailing Address963 SLEEPER AVE, MOUNTAIN VIEW, CA 94040-3935
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jul 10, 2023Deed of Trust, Mortgage · Conventional Mortgage
CITIBANK NA
Jun 03, 2021Deed of Trust, Mortgage · Conventional Mortgage
GUARANTEED RATE INC
Apr 25, 2019Deed of Trust, Mortgage · Conventional Mortgage
CITIBANK NA
May 07, 2018Grant Deed, Transfer · Adjustable Rate Mortgage (ARM)
US BANK NA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 07, 2018 · Amount on Record
Deed SaleMay 07, 2018 · Amount on Record
Prior SaleFeb 21, 2003 · Amount on Record
Deed Doc Number201813690
Prior Transfer DateMay 30, 2001
Prior Transfer Doc0000034848
Record RefreshedSep 20, 2026

July 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address653 CLIFF DR, APTOS, CA 95003-5325
Transaction TypeMortgage
Record UpdatedJul 27, 2023
Title CompanyTICOR TITLE ORANGE COUNTY BR, TICOR TTL ORANGE CNTY BRANCH

Transferred To (Grantee/Buyer)

NameVerified Name
Address963 SLEEPER AVE, MOUNTAIN VIEW, CA 94040-3935

Mortgage

Document Number0000012402
DateJul 10, 2023
Instrument2023-0012402
Lender
NameCITIBANK NA
TypeBank
AddressO FALLON, MO 63368
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2053

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address653 CLIFF DR, APTOS, CA 95003-5325
Transaction TypeMortgage
Record UpdatedJun 16, 2021
Title CompanyORABGE COAST TITLE, ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address963 SLEEPER AVE, MOUNTAIN VIEW, CA 94040-3935

Mortgage

Document Number0000030808
DateJun 03, 2021
Instrument2021-0030808
Lender
NameGUARANTEED RATE INC
TypeMortgage Company
AddressCHICAGO, IL 60613
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 01, 2051

April 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address653 CLIFF DR, APTOS, CA 95003-5325
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyOLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000010777
DateApr 25, 2019
Instrument2019-0010777
Lender
NameCITIBANK NA
TypeBank
AddressO FALLON, MO 63368
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2049

May 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSANTA CRUZ CA
Recording DateMay 07, 2018
Property Address653 CLIFF DR, APTOS, CA 95003-5325
Document Number0000013690
Instrument DateApr 26, 2018
Instrument2018-0013690
Transaction TypeTransfer
Record UpdatedAug 17, 2021
Title CompanyOLD REPUBLIC TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address963 SLEEPER AVE, MOUNTAIN VIEW, CA 94040-3935

Mortgage

Document Number0000013691
DateMay 07, 2018
Instrument2018-0013691
Lender
NameUS BANK NA
TypeBank
Agreement
TypeAdjustable Rate Mortgage (ARM)
AmountAmount Recorded
Term361 Months
DueJun 01, 2048
Interest
Rate TypeAdjustable Rate
Rate3.62%
Type Change DateJun 01, 2028
Change FrequencyAnnually
Min Rate At Change2.75%
Max Rate At Change8.62%
Index1-Year CMT
Max Rate8.62%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
Unified School DistrictPajaro 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.

YearTax BillAssessed ValueAssessed Market Value
2026$1,305,660 (+2%) Land $913,962 Building $391,698
2025$16,081.00 (+9.77%)$1,280,058 (+4.04%) Land $896,041 Building $384,017
2023$14,650.00 (+2.09%)$1,230,352 Land $861,246 Building $369,106$1,506,780
2022$14,350.00

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