6701 Oak Ridge Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 6701 Oak Ridge Rd, Aptos, CA 95003

Property Summary

Property Type	Private Preserve, Open Space Vacant Land
Details	3 bd · 3 ba · 3,136 sqft · built 1952
Lot Size	13.2 acres (577,126 sqft)
Owner	Individual Name on Record
Last Sale	$1,000,000 (Jun 2019)
Tax Bill	$9,954 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Mar 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`040-051-03`

Property Details

APN / Parcel Number

Primary APN	`040-051-03`
Alternative APN	`040-051-03-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	2 Rooms
Building Area	3,136 sqft Gross Area

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	577,126 sqft
Terrain	Steep
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	6701 OAK RIDGE RD
City	APTOS
State	CA
Zip	95003-2743
Property Category	Vacant Land
Property Type	Vacant Land > Private Preserve, Open Space
Local Zoning Code	RA-O
Legal Subdivision	SOQUEL AUGMENTATION RHO BEARS
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1016
Census Tract	122001

Owner

Source: Santa Cruz County records, as of August 19, 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 Record
Mailing Address	6701 OAK RIDGE RD, APTOS, CA 95003-2743
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2026	Deed of Trust, Mortgage · Line of Credit SCHOOLSFIRST FEDERAL CREDIT UNION
Mar 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 28, 2021	Deed of Trust, Mortgage · Line of Credit THE POLICE CU
Aug 13, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 7, 2019	Grant Deed, Transfer · Conventional Mortgage LOCATELLI S J & D2003 TR (RT)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 7, 2019 · Amount on Record
Deed Sale	Jun 7, 2019 · Amount on Record
Deed Document Number	201915605
Last Transfer Date	Aug 8, 2019
Transfer Doc	0000023301
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 10, 2026
Property Address	6701 OAK RIDGE RD, APTOS, CA 95003-2743
Document Number	0000015644
Instrument Date	Jun 26, 2026
Instrument	202615644
Transaction Type	Mortgage
Record Updated	Jul 27, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust, 212
Address	6701 OAK RIDGE RD, APTOS, CA 95003-2743

Mortgage

Document Number	0000015644,
Date	Jul 10, 2026
Instrument	202615644

Lender

Name	SCHOOLSFIRST FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.53%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	6701 OAK RIDGE RD, APTOS, CA 95003-2743
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL CO OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6701 OAK RIDGE RD, APTOS, CA 95003-2743

Mortgage

Document Number	0000013299
Date	Mar 4, 2021
Instrument	2021-0013299

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	6701 OAK RIDGE RD, APTOS, CA 95003-2743
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TIT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6701 OAK RIDGE RD, APTOS, CA 95003-2743

Mortgage

Document Number	0000062159
Date	Dec 28, 2021
Instrument	2021-0062159

Lender

Name	THE POLICE CU
Type	Credit Union
Address	SAN BRUNO, CA 94066

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 13, 2019
Property Address	6701 OAK RIDGE RD, APTOS, CA 95003-2743
Document Number	0000023301
Instrument Date	Aug 8, 2019
Instrument	23301
Transaction Type	Transfer
Record Updated	Aug 29, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	6701 OAK RIDGE RD APTOS CA 950032743, APTOS, CA 95003-2743

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 7, 2019
Property Address	6701 OAK RIDGE RD, APTOS, CA 95003-2743
Document Number	0000015605
Instrument Date	Jun 5, 2019
Instrument	15605
Transaction Type	Transfer
Record Updated	Jun 21, 2019
Title Company	CORNERSTONE TITLE COMPANY, CORNERSTONE TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,100.00
Amount Accuracy	Full Value
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6701 OAK RIDGE RD APTOS CA 950032743, APTOS, CA 95003-2743

Mortgage

Document Number	15606
Date	Jun 7, 2019
Instrument	15606

Lender

Name	LOCATELLI S J & D2003 TR (RT)

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Mortgage

Document Number	15607,
Date	Jun 7, 2019
Instrument	15607

Lender

Name	DRAKE DAREN J (ES)
Address	TEMPE, AZ 85283

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Secondary School District	Santa Cruz City High School District (9-12) (09 - 12)
Elementary School District	Soquel Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$820,461 (-0.39%) Land $735,124 Building $85,337
2025	$9,954.00 (+10.45%)	$823,694 (+5.13%) Land $740,030 Building $83,664
2023	$9,012.00 (+0.57%)	$783,477 Land $703,062 Building $80,415	$1,380,960
2022	$8,961.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 43 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	43 in force
Nearby Flood Claims	25 (1982–2023)
Claims Outside the SFHA	2 of 25
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 11 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 4 claims Severe Storms & Flooding, Feb 1986 · 2 claims

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 63% of the US · lower than 61% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SOQUEL CREEK WATER DISTRICT serves 40,962 people · EPA ID CA4410017
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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: Cruzio, Etheric Networks, Surfnet Communications.

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