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6818 Cypress Gardens, Aptos, CA 95003 Property Records

Santa Cruz County property record for 6818 Cypress Gardens, Aptos, CA 95003

Property Summary

Property TypeTownhouse
Details2 bd · 2.5 ba · 1,218 sqft
Lot Size0.014 acres (610 sqft)
Owner2 Individual Names on File
Last Sale$275,000 (Sep 1999)
Tax Bill$6,210 (2025)
Deeds & MortgagesApr 2021 Mortgage
Jun 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN038-351-09

Property Details

APN / Parcel Number

Primary APN038-351-09
Alternative APN
  • 038-351-09-000

Interior

Bedrooms2 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms5 Rooms
Building Area1,218 sqft Living Area
Gross Area1,448 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Architectural StyleTownhouse
Construction TypeWood
Roof MaterialComposition Shingle
Lot Area610 sqft (0.014 acres)
Garage TypeAttached
Garage Area230 sqft
Parking Spaces1 Parking Space
Deck Area96 sqft
Patio Area96 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address6818 CYPRESS GDNS
CityAPTOS
StateCA
Zip95003-3563
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Local Zoning CodeRM-3
Legal DescriptionTR 1227
Legal SubdivisionESTATES TR #1227
Legal Tract1227
Legal Lot Number9
JurisdictionSANTA CRUZ CA
Township / Civil DivisionSANTA CRUZ
Census Block Group1
Census Block1006
Census Tract122100

Owner

6818 Cypress Gardens, a townhouse, is owned by two individuals who bought it in September 1999.

Source: Santa Cruz County records, as of August 19, 2026

Owner of Record2 Individual Names on File
Mailing Address205 VIA NOVELLA, APTOS, CA 95003-5842
Owner TypeIndividual
VestingJoint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Apr 15, 2021Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Jun 10, 2019Deed of Trust, Mortgage · Conventional Mortgage
FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 30, 1999 · Amount on File
Deed SaleSep 30, 1999 · Amount on File
Deed Document Number199963864
Record UpdatedSep 20, 2026

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address6818 CYPRESS GDNS, APTOS, CA 95003-3563
Transaction TypeMortgage
Record UpdatedApr 28, 2021
Title CompanyOLD REPUBLIC TITLE, OLD REPUBLIC TITLE CO

Transferred To (Grantee/Buyer)

NameVerified Name
Address205 VIA NOVELLA, APTOS, CA 95003-5842

Mortgage

Document Number0000021677
DateApr 15, 2021
Instrument2021-0021677
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term301 Months
DueMay 1, 2046

June 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address6818 CYPRESS GDNS, APTOS, CA 95003-3563
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyOLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000015808
DateJun 10, 2019
Instrument2019-0015808
Lender
NameFINANCE OF AMERICA MORTGAGE LLC
TypeMortgage Company
AddressHORSHAM, PA 19044
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJul 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 6818 Cypress Gardens was $6,210.

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

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
Unified School DistrictPajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$431,123 (+2%) Land $258,674 Building $172,449
2025$6,210.00$422,670 Land $253,602 Building $169,068
2023$5,580.00 (+2.55%)$406,257 Land $243,754 Building $162,503$764,100
2022$5,441.00

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

Flood

FEMA maps place 6818 Cypress Gardens in Zone X, an area of minimal flood risk, though there have been 12 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 23 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies23 in force
Nearby Flood Claims12 (1982–2023)
Claims Outside the SFHA1 of 12
Most Recent ClaimJan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event
  • Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 6 claims
  • Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 3 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

Wildfire risk around 6818 Cypress Gardens is low, with a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 80% of the US · lower than 88% of California
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

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 SystemSOQUEL CREEK WATER DISTRICT
serves 40,962 people · EPA ID CA4410017
Water SourcePurchased surface water from several systems
Last State InspectionJun 2023
Lead2 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 561 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Xfinity
Cable		1,200 / 35
Starlink
Satellite		280 / 30
Etheric Networks
Fixed Wireless		250 / 100

May also be available: Cruzio, Surfnet Communications, Verizon.

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