6824 Cypress Gardens, Aptos, CA 95003 Property Records

Santa Cruz County property record for 6824 Cypress Gardens, Aptos, CA 95003

Property Summary

Property Type	Townhouse
Details	2 bd · 2.5 ba · 1,208 sqft
Lot Size	0.015 acres (653 sqft)
Owner	Individual Name on Record
Last Sale	$550,000 (Feb 2007)
Tax Bill	$9,683 (2025)
Deeds & Mortgages	Jun 2020 Line of Credit May 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`038-351-10`

Property Details

APN / Parcel Number

Primary APN	`038-351-10`
Alternative APN	`038-351-10-000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	1,208 sqft Living Area
Gross Area	1,438 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Townhouse
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	653 sqft (0.015 acres)
Garage Type	Attached
Garage Area	230 sqft
Parking Spaces	1 Parking Space
Deck Area	96 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	6824 CYPRESS GDNS
City	APTOS
State	CA
Zip	95003-3563
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	RM-3
Legal Description	TR 1227
Legal Subdivision	1227/ESTATES APTOS
Legal Tract	1227
Legal Lot Number	10
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1006
Census Tract	122100

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	6824 CYPRESS GDNS, APTOS, CA 95003-3563
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2020	Deed of Trust, Mortgage · Line of Credit US BANK NA
May 10, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2007 · Amount on Record
Deed Sale	Feb 28, 2007 · Amount on Record
Deed Document Number	200711043
Last Transfer Date	Apr 18, 2018
Transfer Doc	0000014188
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	6824 CYPRESS GDNS, APTOS, CA 95003-3563
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019045
Date	Jun 3, 2020
Instrument	2020-0019045

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	May 10, 2040

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 10, 2018
Property Address	6824 CYPRESS GDNS, APTOS, CA 95003-3563
Document Number	0000014188
Instrument Date	Apr 18, 2018
Instrument	14188
Transaction Type	Transfer
Record Updated	Jun 1, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	6824 CYPRESS GDNS APTOS CA 950033563, APTOS, CA 95003-3563

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$751,622 (+2%) Land $488,554 Building $263,068
2025	$9,683.00 (+10.39%) Homeowner's exemption	$736,885 (+4.04%) Land $478,975 Building $257,910
2023	$8,772.00 (+2.08%) Homeowner's exemption	$708,271 Land $460,376 Building $247,895	$734,670
2022	$8,593.00

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 23 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	12 (1982–2023)
Claims Outside the SFHA	1 of 12
Most Recent Claim	Jan 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None 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 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 561 locations within half a mile, as of December 31, 2025

Provider	Max 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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