704 Encino Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 704 Encino Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,200 sqft · built 1961
Lot Size	0.124 acres (5,401 sqft)
Owner	2 Individual Names on File
Last Sale	$845,000 (Aug 2026)
Tax Bill	$9,021 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`044-151-31`

Property Details

APN / Parcel Number

Primary APN	`044-151-31`
Alternative APN	`044-151-31-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,200 sqft Living Area

Exterior

Year Built	Built 1961
Effective Year Built	Effective 2019
Construction Type	Wood
Lot Area	5,401 sqft (0.124 acres)
Terrain	Steep
View / Lot	Mountain

Location & Zoning

Street Address	704 ENCINO DR
City	APTOS
State	CA
Zip	95003-4869
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10-SP
Legal Subdivision	DEER PARK VILLA SITES 04
Legal Lot Number	288
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1003
Census Tract	122202

Owner

704 Encino Dr is owned and occupied by two individuals who bought it in August 2026.

Source: Santa Cruz County records, as of August 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	704 ENCINO DR, APTOS, CA 95003-4869
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

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
Aug 3, 2026	Grant Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE
Jun 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Jun 19, 2020	Grant Deed, Transfer · FHA Mortgage ROYAL PACIFIC FUNDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2026 · Amount on File
Deed Sale	Aug 3, 2026 · Amount on File
Prior Sale	Jun 19, 2020 · Amount on File
Deed Document Number	202617433
Prior Transfer Date	Jun 30, 2004
Prior Transfer Doc	0000049209
Record Updated	Sep 20, 2026

August 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 3, 2026
Property Address	704 ENCINO DR, APTOS, CA 95003-4869
Document Number	0000017433
Instrument Date	Jul 30, 2026
Instrument	202617433
Transaction Type	Transfer
Record Updated	Aug 20, 2026
Title Company	REPUBLIC TITLE COMPANY, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$93,879.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 ENCINO DR, APTOS, CA 95003-4869

Mortgage

Document Number	0000017434,
Date	Aug 3, 2026
Instrument	202617434

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate	6.47%
Max Rate	-1%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	704 ENCINO DR, APTOS, CA 95003-4869
Transaction Type	Mortgage
Record Updated	Jul 15, 2021
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 ENCINO DR, APTOS, CA 95003-4869

Mortgage

Document Number	0000035361
Date	Jun 30, 2021
Instrument	2021-0035361

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

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

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 19, 2020
Property Address	704 ENCINO DR, APTOS, CA 95003-4869
Document Number	0000021852
Map Reference	MB 24 PG 20
Instrument Date	Jun 11, 2020
Instrument	2020-0021852
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	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	704 ENCINO DR, APTOS, CA 95003-4869

Mortgage

Document Number	0000021853
Date	Jun 19, 2020
Instrument	2020-0021853

Lender

Name	ROYAL PACIFIC FUNDING CORP
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 704 Encino Dr was $9,021, up 8% from the year before.

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		$769,708 (+2%) Land $490,828 Building $278,880
2025	$9,021.00 (+8.04%)	$754,616 Land $481,204 Building $273,412
2024	$8,350.00 (+1.59%)
2023	$8,219.00 (+1.83%)	$725,314 Land $462,519 Building $262,795	$743,040
2022	$8,071.00

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

Flood

FEMA maps place 704 Encino Dr in Zone X, an area of minimal flood risk, though there have been 6 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	6 (1982–2016)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Mar 2016 · rainfall accumulation

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 704 Encino Dr is low, with a 0.02% 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	0.02% 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 519 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
Verizon Fixed Wireless	300 / 20

May also be available: Cruzio, Etheric Networks, Surfnet Communications.

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