Santa Cruz County property record for 6815 Oak Ridge Rd, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 3 ba · 2,039 sqft · built 1952 |
| Lot Size | 2.17 acres (94,743 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $4,053 (2025) |
| Deeds & Mortgages | Oct 2023 Reverse Mortgage May 2020 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-051-16 |
| Primary APN | 040-051-16 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 2,039 sqft Living Area |
| Gross Area | 2,311 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Construction Type | Wood |
| Roof Material | Wood Shingle |
| Lot Area | 94,743 sqft |
| Terrain | Steep |
| View / Lot | Ocean |
| Garage Type | Attached |
| Garage Area | 272 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 976 sqft |
| Patio Area | 976 sqft |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Floor/Wall Furnace |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 6815 OAK RIDGE RD |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-2743 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Subdivision | SOQUEL AUGMENTATION RHO |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 122001 |
6815 Oak Ridge Rd is owner-occupied and held in a trust since April 2020.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 6815 OAK RIDGE RD, APTOS, CA 95003-2743 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 2, 2023 | Deed of Trust, Mortgage · Reverse Mortgage SMARTFI HOME LOANS LLC |
| May 8, 2020 | Quit Claim Deed, Transfer FIRST AMERICAN TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Apr 23, 2020 |
| Transfer Doc | 0000015824 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 6815 OAK RIDGE RD, APTOS, CA 95003-2743 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2023 |
| Title Company | FNC TITLE SERVICES |
| Name | Verified Name |
|---|---|
| Address | 6815 OAK RIDGE RD, APTOS, CA 95003-2743 |
| Document Number | 0000018637 |
|---|---|
| Date | Oct 2, 2023 |
| Instrument | 2023-0018637 |
| Name | SMARTFI HOME LOANS LLC |
|---|---|
| Address | SAN DIEGO, CA 92122 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | May 8, 2020 |
| Property Address | 6815 OAK RIDGE RD, APTOS, CA 95003-2743 |
| Document Number | 0000015824 |
| Instrument Date | Apr 23, 2020 |
| Instrument | 15824 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 6815 OAK RIDGE RD APTOS CA 950032743, APTOS, CA 95003-2743 |
The 2025 property tax bill for 6815 Oak Ridge Rd was $4,053 with a homeowner's exemption.
Source: Santa Cruz County assessment roll, as of August 19, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $327,267 (+2%) Land $169,075 Building $158,192 | ||
| 2025 | $4,053.00 Homeowner's exemption | $320,849 Land $165,759 Building $155,090 | |
| 2023 | $3,652.00 (+1.14%) Homeowner's exemption | $308,391 Land $159,323 Building $149,068 | $1,088,100 |
| 2022 | $3,611.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6815 Oak Ridge Rd in Zone X, an area of minimal flood risk, though there have been 25 flood claims nearby since 1982.
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 File 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 |
|
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 risk around 6815 Oak Ridge Rd is moderate, ranking above 63% of the US, with a 0.2% annual chance of 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.
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 |
| 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.
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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