7550 Oak Ridge Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 7550 Oak Ridge Rd, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,474 sqft · built 2005
Lot Size	3.1 acres (135,036 sqft)
Owner	Trust Name on File
Last Sale	$315,000 (Jul 1997)
Tax Bill	$8,839 (2025)
Deeds & Mortgages	Sep 2019 Transfer Sep 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`040-051-31`

Property Details

APN / Parcel Number

Primary APN	`040-051-31`
Alternative APN	`040-051-31-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Building Area	2,474 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	135,036 sqft
Terrain	Steep
Garage Type	Carport
Garage Area	342 sqft
Carport	Carport
Carport Area	342 sqft
Parking Spaces	1 Parking Space
Deck Area	1,108 sqft
Patio Area	1,108 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	7550 OAK RIDGE RD
City	APTOS
State	CA
Zip	95003-2742
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1000
Census Tract	122001

Owner

7550 Oak Ridge Rd is owner-occupied and held in a trust since September 2019.

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

Owner of Record	Trust Name on File
Mailing Address	PO BOX 1446, CAPITOLA, CA 95010-1446
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Family Living Trust

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
Sep 26, 2019	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Sep 25, 2019	Intrafamily Transfer, Transfer · Line of Credit BAY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 1997 · Amount on File
Deed Sale	Jul 31, 1997 · Amount on File
Deed Document Number	199734434
Last Transfer Date	Sep 19, 2019
Transfer Doc	0000029166
Record Updated	Sep 20, 2026

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 26, 2019
Property Address	7550 OAK RIDGE RD, APTOS, CA 95003-2742
Document Number	0000029166
Instrument Date	Sep 19, 2019
Instrument	29166
Transaction Type	Transfer
Record Updated	Oct 9, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	PO BOX 1446 CAPITOLA CA 950101446, CAPITOLA, CA 95010-1446

September 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 25, 2019
Property Address	7550 OAK RIDGE RD, APTOS, CA 95003-2742
Document Number	0000028987
Instrument Date	Sep 19, 2019
Instrument	2019-0028987
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1446, CAPITOLA, CA 95010-1446

Mortgage

Document Number	0000028988
Date	Sep 25, 2019
Instrument	2019-0028988

Lender

Name	BAY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	302 Months
Due	Nov 15, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 7550 Oak Ridge Rd was $8,839 with a homeowner's exemption.

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		$756,025 (+2%) Land $325,745 Building $430,280
2025	$8,839.00 Homeowner's exemption	$741,201 Land $319,358 Building $421,843
2023	$8,054.00 (+1.86%) Homeowner's exemption	$712,420 Land $306,957 Building $405,463	$1,086,390
2022	$7,907.00

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

Flood

FEMA maps place 7550 Oak Ridge Rd in Zone X, an area of minimal flood risk, though there have been 25 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
Flood Insurance Cost	Premium on File median of 43 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	43 in force
Nearby Flood Claims	25 (1982–2023)
Claims Outside the SFHA	2 of 25
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 11 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 4 claims Severe Storms & Flooding, Feb 1986 · 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

Wildfire risk around 7550 Oak Ridge Rd is moderate, ranking above 63% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 63% of the US · lower than 61% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

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

Cell Coverage

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

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