736 Encino Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 736 Encino Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,750 sqft · built 1978
Lot Size	0.379 acres (16,509 sqft)
Owner	Individual Name on Record
Last Sale	$680,000 (Dec 2017)
Tax Bill	$9,158 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`044-151-45`

Property Details

APN / Parcel Number

Primary APN	`044-151-45`
Alternative APN	`044-151-45-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Building Area	2,750 sqft Living Area
Gross Area	3,062 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	16,509 sqft (0.379 acres)
Terrain	Steep
View / Lot	Mountain
Garage Type	Attached
Garage Area	312 sqft
Parking Spaces	1 Parking Space
Deck Area	702 sqft
Patio Area	702 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	736 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 04
Legal Lot Number	266
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	Individual Name on Record
Mailing Address	736 ENCINO DR, APTOS, CA 95003-4869
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Aug 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage BAY FCU
Dec 21, 2017	Grant Deed, Transfer · Conventional Mortgage LENDUS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2017 · Amount on Record
Deed Sale	Dec 21, 2017 · Amount on Record
Prior Sale	Dec 16, 2016 · Amount on Record
Deed Document Number	201743386
Prior Transfer Date	Dec 3, 2010
Prior Transfer Doc	0000020867
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	736 ENCINO DR, APTOS, CA 95003-4869
Transaction Type	Mortgage
Record Updated	Jan 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	736 ENCINO DR, APTOS, CA 95003-4869

Mortgage

Document Number	0000000275
Date	Jan 7, 2026
Instrument	2026-0000275

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 6, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	736 ENCINO DR, APTOS, CA 95003-4869
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023067
Date	Aug 12, 2019
Instrument	2019-0023067

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 21, 2017
Property Address	736 ENCINO DR, APTOS, CA 95003-4869
Document Number	0000043386
Map Reference	MB 24 PG 20
Instrument Date	Nov 20, 2017
Instrument	2017-0043386
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	ER CHRONOS TITLE ANI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	736 ENCINO DR, APTOS, CA 95003-4869

Mortgage

Document Number	0000043387
Date	Dec 21, 2017
Instrument	2017-0043387

Lender

Name	LENDUS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

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		$789,198 (+2%) Land $394,599 Building $394,599
2025	$9,158.00 (+8.05%) Homeowner's exemption	$773,724 (+4.04%) Land $386,862 Building $386,862
2024	$8,476.00 (+1.61%)
2023	$8,342.00 (+0.92%) Homeowner's exemption	$743,680 Land $371,840 Building $371,840	$778,680
2022	$8,266.00

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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