665 Willow Hts, Aptos, CA 95003 Property Records

Santa Cruz County property record for 665 Willow Hts, Aptos, CA 95003 · Last verified August 2026

Property Summary

Property Type	Recreational Vacant Land
Details	2 bd · 1 ba · 2,135 sqft · built 1948
Lot Size	25.6 acres (1,119,274 sqft)
Owner	2 Company Names on File
Last Sale	$1,298,000 (May 2005)
Tax Bill	$21,559 (2025)
Deeds & Mortgages	Dec 2025 Transfer Jun 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`108-121-10`

Property Details

APN / Parcel Number

Primary APN	`108-121-10`
Alternative APN	`108-121-10-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	2,135 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 2009
Construction Type	Masonry / Concrete Block
Roof Material	Tile
Lot Area	1,119,274 sqft
Terrain	Steep
View / Lot	Mountain
Garage Type	Attached
Garage Area	384 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	665 WILLOW HTS
City	APTOS
State	CA
Zip	95003-9798
Property Category	Public Works
Property Type	Public Works > Recreational Vacant Land
Legal Subdivision	PM24 55
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2000
Census Tract	122402

Owner

Source: Santa Cruz County records · APN 108-121-10

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 Company Names on File
Mailing Address	665 WILLOW HTS, APTOS, CA 95003-9798
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 26, 2025	Intrafamily Transfer, Transfer
Jun 25, 2018	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Mar 22, 2018	Deed of Trust, Mortgage ZEPP FAMILY TRUST (PT)
Mar 02, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 06, 2005 · Amount on Record
Deed Sale	May 06, 2005 · Amount on Record
Deed Document Number	200530544
Last Transfer Date	Feb 26, 2018
Transfer Doc	0000006434
Record Updated	Sep 20, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 26, 2025
Property Address	665 WILLOW HTS, APTOS, CA 95003-9798
Document Number	0000028670
Map Reference	VOL 24 PG 55
Instrument Date	Dec 19, 2025
Instrument	2025-0028670
Transaction Type	Transfer
Record Updated	Jan 09, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	665 WILLOW HTS, APTOS, CA 95003-9798

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	665 WILLOW HTS, APTOS, CA 95003-9798
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019283
Date	Jun 25, 2018
Instrument	2018-0019283

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2048

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	665 WILLOW HTS, APTOS, CA 95003-9798
Document Number	0000026279
Instrument Date	Mar 22, 2018
Transaction Type	Mortgage
Record Updated	Sep 14, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	665 WILLOW HTS APTOS CA 950039798, APTOS, CA 95003-9798

Mortgage

Document Number	0000026279
Date	Aug 28, 2018
Instrument	26279

Lender

Name	ZEPP FAMILY TRUST (PT)
Address	13631 PASEO DEL ROBLE DR, LOS ALTOS HILLS, CA 94022-2410

Agreement

Amount	Amount Recorded

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 02, 2018
Property Address	665 WILLOW HTS, APTOS, CA 95003-9798
Document Number	0000006434
Instrument Date	Feb 26, 2018
Instrument	6434
Transaction Type	Transfer
Record Updated	Mar 14, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	665 WILLOW HTS APTOS CA 950039798, APTOS, CA 95003-9798

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		$1,845,495 (+2%) Land $1,373,458 Building $472,037
2025	$21,559.00 (+9.05%)	$1,809,308 (+4.04%) Land $1,346,527 Building $462,781
2023	$19,770.00 (+1.85%)	$1,739,051 Land $1,294,240 Building $444,811	$1,320,750
2022	$19,410.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060871224022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	3 (2016–2023)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Mar 2023, rainfall accumulation, Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides

Wildfire

Wildfire Risk	Moderate above 50% of the US · above 29% of California
Wildfire Likelihood	About 1 in 926 per year
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 14 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Razzolink	Fixed Wireless (unlicensed)	500 / 250
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Etheric Communications, LLC., Spectrum, Surfnet Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

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