7400 Viewpoint Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 7400 Viewpoint Rd, Aptos, CA 95003 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,061 sqft · built 1995
Lot Size	0.241 acres (10,498 sqft)
Owner	2 Individual Names on File
Last Sale	$635,000 (Sep 1997)
Tax Bill	$13,288 (2025)
Deeds & Mortgages	May 2022 Line of Credit Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`039-531-04`

Property Details

APN / Parcel Number

Primary APN	`039-531-04`
Alternative APN	`039-531-04-000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	3,061 sqft Living Area
Gross Area	3,701 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Construction Type	Wood
Roof Material	Other
Lot Area	10,498 sqft (0.241 acres)
Terrain	Steep
View / Lot	Ocean
Garage Type	Attached
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces
Deck Area	244 sqft
Patio Area	244 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	7400 VIEWPOINT RD
City	APTOS
State	CA
Zip	95003-3343
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 57,58
Legal Subdivision	APTO TERRACE
Legal Lot Number	58
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1000
Census Tract	122004

Owner

Source: Santa Cruz County records · APN 039-531-04

Assessment roll updated August 19, 2026 · Last verified August 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 File
Mailing Address	7400 VIEWPOINT RD, APTOS, CA 95003-3343
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 02, 2022	Deed of Trust, Mortgage · Line of Credit QUICKEN LOANS LLC
Jun 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jan 08, 2018	Deed of Trust, Mortgage · Line of Credit QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 30, 1997 · Amount on Record
Deed Sale	Sep 30, 1997 · Amount on Record
Prior Sale	May 10, 1996 · Amount on Record
Deed Document Number	199745253
Last Transfer Date	Dec 17, 2015
Transfer Doc	0000005085
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	7400 VIEWPOINT RD, APTOS, CA 95003-3343
Transaction Type	Mortgage
Record Updated	May 17, 2022
Title Company	AMROCK TITLE CA INC, AMROCK TITLE CA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013929
Date	May 02, 2022
Instrument	2022-0013929

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	349 Months
Due	Jun 13, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	7400 VIEWPOINT RD, APTOS, CA 95003-3343
Transaction Type	Mortgage
Record Updated	Jul 07, 2021
Title Company	AMROCK TITLE CA INC, AMROCK TITLE CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7400 VIEWPOINT RD, APTOS, CA 95003-3343

Mortgage

Document Number	0000034601
Date	Jun 25, 2021
Instrument	2021-0034601

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.25%
Type Change Date	Jul 01, 2031
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	7.25%
Index	Other
Margin	3
Max Rate	7.25%

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	7400 VIEWPOINT RD, APTOS, CA 95003-3343
Document Number	0000001266
Instrument Date	Jan 08, 2018
Transaction Type	Mortgage
Record Updated	Feb 01, 2018
Title Company	TITLE SOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	7400 VIEWPOINT RD APTOS CA 950033343, APTOS, CA 95003-3343

Mortgage

Document Number	0000001266
Date	Jan 16, 2018
Instrument	1266

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 15, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,034,236 (+2%) Land $488,613 Building $545,623
2025	$13,288.00 (+10.73%) Homeowner's exemption	$1,013,958 (+4.04%) Land $479,033 Building $534,925
2023	$12,000.00 (+2.15%) Homeowner's exemption	$974,584 Land $460,431 Building $514,153	$2,015,730
2022	$11,747.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Moderate above 46% of the US · above 27% of California
Wildfire Likelihood	About 1 in 1,250 per year
Exposure	Indirect within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 554 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T, Etheric Communications, LLC., Verizon, Surfnet Communications, Cruzio Internet. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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