748 Encino Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 748 Encino Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,642 sqft · built 1939
Lot Size	0.241 acres (10,498 sqft)
Owner	Individual Name on File
Last Sale	$1,050,000 (Jun 2023)
Tax Bill	$12,840 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Jun 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`044-161-03`

Property Details

APN / Parcel Number

Primary APN	`044-161-03`
Alternative APN	`044-161-03-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Building Area	1,642 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 2000
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	10,498 sqft (0.241 acres)
Deck Area	904 sqft
Patio Area	904 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	748 ENCINO DR
City	APTOS
State	CA
Zip	95003-4871
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10-SP
Legal Subdivision	DEER PARK VILLA SITES SUB #4
Legal Lot Number	258
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1003
Census Tract	122202

Owner

748 Encino Dr is owned and occupied by an individual who bought it in June 2023.

Source: Santa Cruz County records, as of August 19, 2026

Owner of Record	Individual Name on File
Mailing Address	748 ENCINO DR, APTOS, CA 95003-4871
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2025	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Jun 27, 2023	Grant Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 27, 2023 · Amount on File
Deed Sale	Jun 27, 2023 · Amount on File
Deed Document Number	202311628
Prior Transfer Date	Jan 16, 2013
Prior Transfer Doc	0000005097
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	748 ENCINO DR, APTOS, CA 95003-4871
Transaction Type	Mortgage
Record Updated	Dec 11, 2025
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	748 ENCINO DR, APTOS, CA 95003-4871

Mortgage

Document Number	0000025304
Date	Nov 24, 2025
Instrument	2025-0025304

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Dec 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	11.2%
Index	1-Year T-Bill
Max Rate	11.2%

June 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 27, 2023
Property Address	748 ENCINO DR, APTOS, CA 95003-4871
Document Number	0000011628
Map Reference	MB 24 PG 20
Instrument Date	Jun 20, 2023
Instrument	2023-0011628
Transaction Type	Transfer
Record Updated	Jul 14, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,155.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	748 ENCINO DR, APTOS, CA 95003-4871

Mortgage

Document Number	0000011629
Date	Jun 27, 2023
Instrument	2023-0011629

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 748 Encino Dr was $12,840.

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		$1,114,268 (+2%) Land $813,416 Building $300,852
2025	$12,840.00	$1,092,420 Land $797,467 Building $294,953
2023	$5,288.00 (+1.93%) Homeowner's exemption	$461,483 (+2%) Land $283,989 Building $177,494	$920,790
2022	$5,188.00 Homeowner's exemption	$452,434 Land $278,421 Building $174,013

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 748 Encino Dr in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1982.

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

Wildfire risk around 748 Encino Dr is low, with a 0.02% annual chance of 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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