Santa Cruz County property record for 685 Skyward Dr, Aptos, CA 95003
| Property Type | Recreational Vacant Land |
|---|---|
| Details | 5 bd · 4.5 ba · 5,811 sqft · built 1970 |
| Lot Size | 2.9 acres (126,324 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $2,900,000 (Sep 2022) |
| Tax Bill | $34,599 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit Sep 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-271-62 |
| Primary APN | 040-271-62 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Building Area | 5,811 sqft Gross Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 2005 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 126,324 sqft |
| Terrain | Steep |
| View / Lot | Ocean |
| Garage Type | Attached |
| Garage Area | 660 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 1,366 sqft |
| Patio Area | 2,074 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 685 SKYWARD DR |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-3014 |
| Property Category | Public Works |
| Property Type | Public Works > Recreational Vacant Land |
| Local Zoning Code | RA |
| Legal Subdivision | LANDS/FLORENCE P PERRY |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 122002 |
Source: Santa Cruz County records · APN 040-271-62
Assessment roll updated August 19, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 685 SKYWARD DR, APTOS, CA 95003-3014 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Aug 25, 2023 | Deed of Trust, Mortgage · Line of Credit JACKSON FLAGSTAR CENTRE OFFICE |
| Sep 09, 2022 | Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA |
| Feb 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Sep 21, 2017 | Deed of Trust, Mortgage · Line of Credit TROUT GULCH WATER CO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 09, 2022 · Amount on Record |
| Deed Sale | Sep 09, 2022 · Amount on Record |
| Prior Sale | Oct 18, 2005 · Amount on Record |
| Deed Document Number | 202225475 |
| Prior Transfer Date | Dec 21, 2007 |
| Prior Transfer Doc | 0000000186 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 685 SKYWARD DR, APTOS, CA 95003-3014 |
| Transaction Type | Mortgage |
| Record Updated | Jun 08, 2026 |
| Name | Verified Name |
|---|---|
| Address | 685 SKYWARD DR, APTOS, CA 95003-3014 |
| Document Number | 0000015976 |
|---|---|
| Date | Aug 25, 2023 |
| Instrument | 2023-0015976 |
| Name | JACKSON FLAGSTAR CENTRE OFFICE |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Sep 09, 2022 |
| Property Address | 685 SKYWARD DR, APTOS, CA 95003-3014 |
| Document Number | 0000025475 |
| Map Reference | MB 45 PG 20 |
| Instrument Date | Aug 23, 2022 |
| Instrument | 2022-0025475 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2022 |
| Title Company | STEWART TITLE, STEWART TITLE OF CA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,190.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 685 SKYWARD DR, APTOS, CA 95003-3014 |
| Document Number | 0000025476 |
|---|---|
| Date | Sep 09, 2022 |
| Instrument | 2022-0025476 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Type Change Date | Oct 01, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 9.5% |
| Index | Other |
| Max Rate | 9.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 685 SKYWARD DR, APTOS, CA 95003-3014 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | FATC SALINAS |
| Name | Verified Name |
|---|
| Document Number | 0000006774 |
|---|---|
| Date | Feb 27, 2020 |
| Instrument | 2020-0006774 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
| Type Change Date | Mar 01, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 8.12% |
| Index | 1-Year CMT |
| Max Rate | 8.12% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 685 SKYWARD DR, APTOS, CA 95003-3014 |
| Document Number | 0000001186 |
| Instrument Date | Sep 21, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2018 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 685 SKYWARD DR APTOS CA 950033014, APTOS, CA 95003-3014 |
| Document Number | 0000001186 |
|---|---|
| Date | Jan 12, 2018 |
| Instrument | 1186 |
| Name | TROUT GULCH WATER CO |
|---|---|
| Address | PO BOX 1467, APTOS, CA 95001-1467 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,077,504 (+2%) Land $1,804,054 Building $1,273,450 | ||
| 2025 | $34,599.00 (+8.96%) | $3,017,160 (+4.04%) Land $1,768,680 Building $1,248,480 | |
| 2023 | $31,755.00 (+5.94%) | $2,900,000 Land $1,700,000 Building $1,200,000 | $2,548,440 |
| 2022 | $29,974.00 |
Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), as of July 10, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060871220021, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 7 (1982–2000) |
| Claims Outside the SFHA | 6 of 7 |
| Most Recent Claim | Feb 2000 · rainfall accumulation |
| Claims by Event |
|
| Wildfire Risk | Moderate above 48% of the US · lower than 71% of California |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
May also be available: AT&T, Cruzio Internet, Etheric Communications, LLC., Surfnet Communications, Verizon.
Based on FCC filings for 86 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system CA4400502, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TROUT GULCH MUTUAL WATER COMPANY private · serves 614 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2024 |
| Lead | 4 ppb (2025–2027) 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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