728 Cathedral Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 728 Cathedral Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,500 sqft · built 1984
Lot Size	0.167 acres (7,275 sqft)
Owner	2 Individual Names on Record
Last Sale	$405,000 (Jun 2013)
Tax Bill	$6,049 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`040-192-74`

Property Details

APN / Parcel Number

Primary APN	`040-192-74`
Alternative APN	`040-192-74-000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,500 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	7,275 sqft (0.167 acres)
Terrain	Steep
Garage Type	Carport
Garage Area	130 sqft
Carport	Carport
Carport Area	130 sqft
Deck Area	500 sqft
Patio Area	500 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	728 CATHEDRAL DR
City	APTOS
State	CA
Zip	95003-3457
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Subdivision	MONTE TOYON/RIO DEL MAR 01
Legal Lot Number	15,50
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1016
Census Tract	122002

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	728 CATHEDRAL DR, APTOS, CA 95003-3457
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2026	Deed of Trust, Mortgage · Line of Credit COMERICA BANK
May 12, 2020	Quit Claim Deed, Transfer QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2013 · Amount on Record
Deed Sale	Jun 21, 2013 · Amount on Record
Prior Sale	Feb 28, 2007 · Amount on Record
Deed Document Number	201331264
Last Transfer Date	Apr 22, 2020
Transfer Doc	0000016292
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 20, 2026
Property Address	728 CATHEDRAL DR, APTOS, CA 95003-3457
Document Number	0000008579
Instrument Date	Apr 15, 2026
Instrument	20268579
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	728 CATHEDRAL DR, APTOS, CA 95003-3457

Mortgage

Document Number	0000008579,
Date	Apr 20, 2026
Instrument	20268579

Lender

Name	COMERICA BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 20, 2056

Interest

Rate	6.22%
Max Rate	-1%

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 12, 2020
Property Address	728 CATHEDRAL DR, APTOS, CA 95003-3457
Document Number	0000016292
Instrument Date	Apr 22, 2020
Instrument	16292
Transaction Type	Transfer
Record Updated	May 29, 2020
Title Company	TICOR TITLE ORANGE COUNTY BR, TICOR TITLE ORANGE CNTY BR

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	728 CATHEDRAL DR APTOS CA 950033457, APTOS, CA 95003-3457

Mortgage

Document Number	16293
Date	May 12, 2020
Instrument	16293

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 11, 2050

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		$508,703 (+2%) Land $305,222 Building $203,481
2025	$6,049.00 (+8.52%) Homeowner's exemption	$498,729 (+4.04%) Land $299,237 Building $199,492
2024	$5,574.00 (+1.68%)
2023	$5,482.00 (+1.93%) Homeowner's exemption	$479,363 Land $287,618 Building $191,745	$662,850
2022	$5,378.00

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	5 in force
Nearby Flood Claims	7 (1982–2000)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Feb 2000 · rainfall accumulation
Claims by Event	Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 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

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

Wildfire Risk	Moderate above 68% of the US · above 43% 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.

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

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

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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