6825 Cypress Gardens, Aptos, CA 95003 Property Records

Santa Cruz County property record for 6825 Cypress Gardens, Aptos, CA 95003

Property Summary

Property Type	Townhouse
Details	2 bd · 2.5 ba · 1,208 sqft · built 1991
Lot Size	0.016 acres (697 sqft)
Owner	Individual Name on File
Last Sale	$630,000 (Oct 2017)
Tax Bill	$9,456 (2025)
Deeds & Mortgages	May 2021 Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`038-351-05`

Property Details

APN / Parcel Number

Primary APN	`038-351-05`
Alternative APN	`038-351-05-000`

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

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Townhouse
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	697 sqft (0.016 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	6825 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	TRACT 1227 LOT 5
Legal Subdivision	ESTATES/APTOS TR #1227
Legal Tract	1227
Legal Lot Number	5
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1006
Census Tract	122100

Owner

6825 Cypress Gardens, a townhouse, is owned and occupied by an individual who bought it in October 2017.

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

Owner of Record	Individual Name on File
Mailing Address	6825 CYPRESS GDNS, APTOS, CA 95003-3563
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
May 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage ACADEMY MORTGAGE CORP
Oct 30, 2017	Grant Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2017 · Amount on File
Deed Sale	Oct 30, 2017 · Amount on File
Prior Sale	Sep 5, 2000 · Amount on File
Deed Document Number	201736436
Prior Transfer Date	Jan 2, 1996
Prior Transfer Doc	0000003914
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	6825 CYPRESS GDNS, APTOS, CA 95003-3563
Transaction Type	Mortgage
Record Updated	Jun 11, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6825 CYPRESS GDNS, APTOS, CA 95003-3563

Mortgage

Document Number	0000029025
Date	May 24, 2021
Instrument	2021-0029025

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company
Address	FARMINGTON, UT 84025

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 30, 2017
Property Address	6825 CYPRESS GDNS, APTOS, CA 95003-3563
Document Number	0000036436
Map Reference	VOL82 PG5
Instrument Date	Oct 19, 2017
Instrument	2017-0036436
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	PO BOX 741, CAPITOLA, CA 95010-0741

Mortgage

Document Number	0000036437
Date	Oct 30, 2017
Instrument	2017-0036437

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 6825 Cypress Gardens was $9,456 with a homeowner's exemption.

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		$731,169 (+2%) Land $511,818 Building $219,351
2025	$9,456.00 Homeowner's exemption	$716,833 Land $501,783 Building $215,050
2023	$8,564.00 (+2.28%) Homeowner's exemption	$688,997 Land $482,298 Building $206,699	$718,200
2022	$8,373.00

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

Flood

FEMA maps place 6825 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 6825 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 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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