Santa Cruz County property record for 731 Seacliff Dr, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,508 sqft · built 1949 |
| Lot Size | 0.258 acres (11,238 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $10,573 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Dec 2016 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 038-151-86 |
| Primary APN | 038-151-86 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 2,508 sqft Living Area |
| Gross Area | 3,508 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Construction Type | Wood |
| Roof Type | Sawtooth |
| Roof Material | Composition Shingle |
| Lot Area | 11,238 sqft (0.258 acres) |
| View / Lot | Ocean |
| Garage Type | Attached |
| Garage Area | 1,000 sqft |
| Parking Spaces | 4 Parking Spaces |
| Deck Area | 415 sqft |
| Patio Area | 415 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 731 SEACLIFF DR |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-3540 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-4 |
| Legal Subdivision | APTOS RHO |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 122100 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 731 SEACLIFF DR, APTOS, CA 95003-3540 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Apr 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Dec 2, 2016 | Deed of Trust, Mortgage · Conventional Mortgage SANTA CRUZ HM FIN |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Nov 21, 2016 |
| Transfer Doc | 0000050796 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 731 SEACLIFF DR, APTOS, CA 95003-3540 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 731 SEACLIFF DR, APTOS, CA 95003-3540 |
| Document Number | 0000022871 |
|---|---|
| Date | Apr 21, 2021 |
| Instrument | 2021-0022871 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 731 SEACLIFF DR, APTOS, CA 95003-3540 |
| Document Number | 0000015842 |
| Instrument Date | Dec 2, 2016 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 731 SEACLIFF DR APTOS CA 950033540, APTOS, CA 95003-3540 |
| Document Number | 0000015842 |
|---|---|
| Date | May 12, 2017 |
| Instrument | 15842 |
| Name | SANTA CRUZ HM FIN |
|---|---|
| Type | Funding / Finance Company |
| Address | SANTA CRUZ, CA 95062 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 11, 2047 |
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $815,956 (+2%) Land $582,802 Building $233,154 | ||
| 2025 | $10,573.00 (+10.39%) Homeowner's exemption | $799,956 (+4.04%) Land $571,374 Building $228,582 | |
| 2023 | $9,578.00 (+2.29%) Homeowner's exemption | $768,893 Land $549,187 Building $219,706 | $958,410 |
| 2022 | $9,364.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone VE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 23 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 23 in force |
| Nearby Flood Claims | 12 (1982–2023) |
| Claims Outside the SFHA | 1 of 12 |
| Most Recent Claim | Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 96% of California |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 561 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 |
| Starlink Satellite | 280 / 30 |
| Etheric Networks Fixed Wireless | 250 / 100 |
May also be available: Cruzio, Surfnet Communications, Verizon.
5G (outdoors only) and 4G LTE
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