7150 Urbin Way, Aptos, CA 95003 Property Records

Santa Cruz County property record for 7150 Urbin Way, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,368 sqft · built 2004
Lot Size	0.255 acres (11,108 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,169,000 (Aug 2017)
Tax Bill	$16,562 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`039-361-02`

Property Details

APN / Parcel Number

Primary APN	`039-361-02`
Alternative APN	`039-361-02-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Building Area	3,368 sqft Living Area
Gross Area	3,852 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Wood
Roof Material	Tile
Lot Area	11,108 sqft (0.255 acres)
Terrain	Steep
View / Lot	Ocean
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Deck Area	80 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	7150 URBIN WAY
City	APTOS
State	CA
Zip	95003-3672
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-8
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1012
Census Tract	122004

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	2 Individual Names on Record
Mailing Address	7150 URBIN WAY, APTOS, CA 95003-3672
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Aug 8, 2017	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2017 · Amount on Record
Deed Sale	Aug 8, 2017 · Amount on Record
Prior Sale	May 27, 2015 · Amount on Record
Deed Document Number	201726186
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	7150 URBIN WAY, APTOS, CA 95003-3672
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028363
Date	Jul 29, 2020
Instrument	2020-0028363

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 8, 2017
Property Address	7150 URBIN WAY, APTOS, CA 95003-3672
Document Number	0000026186
Map Reference	PM39 PG44
Instrument Date	Jul 25, 2017
Instrument	2017-0026186
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
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	Joint Tenants
Address	7150 URBIN WAY, APTOS, CA 95003-3672

Mortgage

Document Number	0000026187
Date	Aug 8, 2017
Instrument	2017-0026187

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

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		$1,356,726 (+2%) Land $678,363 Building $678,363
2025	$16,562.00 (+9.76%) Homeowner's exemption	$1,330,122 (+4.04%) Land $665,061 Building $665,061
2023	$15,089.00 (+2.09%) Homeowner's exemption	$1,278,472 Land $639,236 Building $639,236	$1,403,820
2022	$14,780.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 46% of the US · lower than 72% of California
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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 298 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: AT&T, Cruzio, Etheric Networks, GeoLinks, Surfnet Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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