Santa Cruz County property record for 694 Saint Andrews Dr, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 4,307 sqft · built 2005 |
| Lot Size | 0.234 acres (10,193 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $1,300,000 (Jan 2014) |
| Tax Bill | $19,626 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage Jan 2019 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 053-022-07 |
| Primary APN | 053-022-07 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 10 Rooms |
| Building Area | 4,307 sqft Living Area |
| Gross Area | 5,000 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 10,193 sqft (0.234 acres) |
| View / Lot | Ocean |
| Garage Type | Attached |
| Garage Area | 693 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 530 sqft |
| Patio Area | 530 sqft |
| Heating System | HVAC |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 694 SAINT ANDREWS DR |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-5425 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-10 |
| Legal Subdivision | 200 COUNTRY CLUB PARK UN 2 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 122203 |
Source: Santa Cruz County records · APN 053-022-07
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 Trust Names on File |
|---|---|
| Mailing Address | 694 SAINT ANDREWS DR, APTOS, CA 95003-5425 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Aug 03, 2020 | Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC |
| Jan 29, 2019 | Quit Claim Deed, Transfer Quitclaim |
| Jan 28, 2019 | Intrafamily Transfer, Transfer · Conventional Mortgage STEARNS LENDING LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 17, 2014 · Amount on Record |
| Deed Sale | Jan 17, 2014 · Amount on Record |
| Prior Sale | May 03, 2006 · Amount on Record |
| Deed Document Number | 20141820 |
| Last Transfer Date | Jan 17, 2019 |
| Transfer Doc | 0000002263 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 694 SAINT ANDREWS DR, APTOS, CA 95003-5425 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000029103 |
|---|---|
| Date | Aug 03, 2020 |
| Instrument | 2020-0029103 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | LEWISVILLE, TX 75057 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Jan 29, 2019 |
| Property Address | 694 SAINT ANDREWS DR, APTOS, CA 95003-5425 |
| Document Number | 0000002263 |
| Instrument Date | Jan 17, 2019 |
| Instrument | 2263 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2019 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 694 SAINT ANDREWS DR APTOS CA 950035425, APTOS, CA 95003-5425 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Jan 28, 2019 |
| Property Address | 694 SAINT ANDREWS DR, APTOS, CA 95003-5425 |
| Document Number | 0000002171 |
| Instrument Date | Jan 07, 2019 |
| Instrument | 2019-0002171 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 694 SAINT ANDREWS DR, APTOS, CA 95003-5425 |
| Investor | Possibly a Property Investor |
| Document Number | 0000002172 |
|---|---|
| Date | Jan 28, 2019 |
| Instrument | 2019-0002172 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | SANTA ANA, CA 92707 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 01, 2039 |
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 | $1,625,495 (+2%) Land $975,297 Building $650,198 | ||
| 2025 | $19,626.00 (+9.58%) | $1,593,623 (+4.04%) Land $956,174 Building $637,449 | |
| 2023 | $17,911.00 (+2.02%) | $1,531,740 Land $919,044 Building $612,696 | $1,978,830 |
| 2022 | $17,557.00 |
Source: FEMA National Flood Hazard Layer as of July 10, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · 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 | 3 in force |
| 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 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) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Cruzio Internet, Etheric Communications, LLC., Surfnet Communications.
Based on FCC filings for 519 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SOQUEL CREEK WATER DISTRICT serves 40,962 people |
|---|---|
| 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 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures