7165 Oak Ridge Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 7165 Oak Ridge Rd, Aptos, CA 95003

Property Summary

Property Type	Rural Home
Details	4 bd · 3 ba · 2,197 sqft · built 1949
Lot Size	3.41 acres (148,757 sqft)
Owner	Individual Name on File
Last Sale	$658,000 (Sep 2021)
Tax Bill	$3,103 (2025)
Deeds & Mortgages	Sep 2022 Transfer Sep 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`040-051-39`

Property Details

APN / Parcel Number

Primary APN	`040-051-39`
Alternative APN	`040-051-39-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Building Area	2,197 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	148,757 sqft
Terrain	Steep
Deck Area	562 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	7165 OAK RIDGE RD
City	APTOS
State	CA
Zip	95003-2752
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	A
Legal Description	PARCEL MAPS 19 PG 55
Legal Subdivision	LANDS/ROBERT E JETT
Legal Lot Number	A
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1000
Census Tract	122001

Owner

7165 Oak Ridge Rd, a rural home, is owned and occupied by an individual who acquired it in September 2022.

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

Owner of Record	Individual Name on File
Mailing Address	7165 OAK RIDGE RD, APTOS, CA 95003-2752
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
Sep 15, 2022	Intrafamily Transfer, Transfer
Sep 23, 2021	Grant Deed, Transfer · Conventional Mortgage BAY FCU
Aug 12, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 2021 · Amount on File
Deed Sale	Sep 23, 2021 · Amount on File
Prior Sale	Oct 31, 1997 · Amount on File
Deed Document Number	202148696
Last Transfer Date	Sep 8, 2022
Transfer Doc	0000025874
Record Updated	Sep 20, 2026

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 15, 2022
Property Address	7165 OAK RIDGE RD, APTOS, CA 95003-2752
Document Number	0000025874
Map Reference	VOL 19 PG 55
Instrument Date	Sep 8, 2022
Instrument	2022-0025874
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7165 OAK RIDGE RD, APTOS, CA 95003-2752

September 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 23, 2021
Property Address	7165 OAK RIDGE RD, APTOS, CA 95003-2752
Document Number	0000048696
Map Reference	VOL 19 PG 55
Instrument Date	Sep 18, 2021
Instrument	2021-0048696
Transaction Type	Transfer
Record Updated	Oct 5, 2021
Title Company	STEWART TITLE OF CA INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$723.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7165 OAK RIDGE RD, APTOS, CA 95003-2752

Mortgage

Document Number	0000048697
Date	Sep 23, 2021
Instrument	2021-0048697

Lender

Name	BAY FCU
Type	Credit Union

Agreement

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

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 12, 2021
Property Address	7165 OAK RIDGE RD, APTOS, CA 95003-2752
Document Number	0000042254
Map Reference	VOL 19 PG 55
Instrument Date	Aug 6, 2021
Instrument	2021-0042254
Transaction Type	Transfer
Record Updated	Aug 26, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7165 OAK RIDGE RD, APTOS, CA 95003-2752

Tax Assessment & Valuation

The 2025 property tax bill for 7165 Oak Ridge Rd was $3,103 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		$222,943 (+2%) Land $37,964 Building $184,979
2025	$3,103.00 Homeowner's exemption	$218,572 Land $37,220 Building $181,352
2023	$2,789.00 (+1.97%) Homeowner's exemption	$210,084 Land $35,774 Building $174,310	$641,610
2022	$2,735.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 7165 Oak Ridge Rd in Zone X, an area of minimal flood risk, though there have been 25 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 43 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	43 in force
Nearby Flood Claims	25 (1982–2023)
Claims Outside the SFHA	2 of 25
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 11 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 4 claims Severe Storms & Flooding, Feb 1986 · 2 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 7165 Oak Ridge Rd is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 64% of the US · lower than 60% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

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

Cell Coverage

5G (outdoors only) and 4G LTE

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