720 Encino Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 720 Encino Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,688 sqft · built 1979
Lot Size	0.217 acres (9,453 sqft)
Owner	2 Individual Names on Record
Last Sale	$540,000 (May 2015)
Tax Bill	$7,827 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`044-151-11`

Property Details

APN / Parcel Number

Primary APN	`044-151-11`
Alternative APN	`044-151-11-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	1,688 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	9,453 sqft (0.217 acres)
Terrain	Steep
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	430 sqft
Patio Area	430 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	720 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	281
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1003
Census Tract	122202

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	720 ENCINO DR, APTOS, CA 95003-4869
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2025	Deed of Trust, Mortgage · Conventional Mortgage STAR ONE CU
Nov 17, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage ONY GLO INC
Jun 20, 2017	Deed of Trust, Mortgage · Conventional Mortgage LOANLOCK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2015 · Amount on Record
Deed Sale	May 7, 2015 · Amount on Record
Prior Sale	Aug 15, 2014 · Amount on Record
Deed Document Number	201517581
Last Transfer Date	Nov 5, 2020
Transfer Doc	0000048772
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	720 ENCINO DR, APTOS, CA 95003-4869
Transaction Type	Mortgage
Record Updated	Oct 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	720 ENCINO DR, APTOS, CA 95003-4869

Mortgage

Document Number	0000022268
Date	Oct 17, 2025
Instrument	2025-0022268

Lender

Name	STAR ONE CU
Type	Credit Union
Address	SUNNYVALE, CA 94088

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2045

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 17, 2020
Property Address	720 ENCINO DR, APTOS, CA 95003-4869
Document Number	0000048772
Map Reference	MB 24 PG 20
Instrument Date	Nov 5, 2020
Instrument	2020-0048772
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	WFG NATIONAL TITLE

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
Relationship	Joint Tenants
Address	720 ENCINO DR, APTOS, CA 95003-4869

Mortgage

Document Number	0000048773
Date	Nov 17, 2020
Instrument	2020-0048773

Lender

Name	ONY GLO INC
Type	Mortgage Company

Agreement

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

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	720 ENCINO DR, APTOS, CA 95003-4869
Document Number	0000021400
Instrument Date	Jun 20, 2017
Transaction Type	Mortgage
Record Updated	Oct 24, 2017
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	720 ENCINO DR APTOS CA 950034869, APTOS, CA 95003-4869

Mortgage

Document Number	0000021400
Date	Jun 29, 2017
Instrument	21400

Lender

Name	LOANLOCK
Address	LOS ANGELES, CA 90010

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 28, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.62%

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		$661,980 (+2%) Land $429,061 Building $232,919
2025	$7,827.00 (+9.91%)	$649,000 (+4.04%) Land $420,648 Building $228,352
2023	$7,121.00 (+1.86%)	$623,797 Land $404,313 Building $219,484	$817,560
2022	$6,991.00

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 · 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

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	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 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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