760 Encino Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 760 Encino Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,320 sqft · built 1976
Lot Size	0.103 acres (4,487 sqft)
Owner	2 Individual Names on Record
Last Sale	$65,000 (Jul 1998)
Tax Bill	$4,003 (2025)
Deeds & Mortgages	Dec 2017 Line of Credit Mar 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`044-161-09`

Property Details

APN / Parcel Number

Primary APN	`044-161-09`
Alternative APN	`044-161-09-000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Building Area	1,320 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	4,487 sqft (0.103 acres)
Terrain	Steep
View / Lot	Mountain
Deck Area	154 sqft
Patio Area	154 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	760 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 Description	LOT 249
Legal Subdivision	DEER PARK VILLA SITES 04
Legal Lot Number	249
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	2 Individual Names on Record
Mailing Address	760 ENCINO DR, APTOS, CA 95003-4871
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2017	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Mar 28, 2019	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Sep 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage PRIMELENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 1998 · Amount on Record
Deed Sale	Jul 8, 1998 · Amount on Record
Deed Document Number	199837867
Last Transfer Date	Jul 15, 2016
Transfer Doc	0000025705
Record Updated	Sep 20, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	760 ENCINO DR, APTOS, CA 95003-4871
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042113
Date	Dec 12, 2017
Instrument	2017-0042113

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 28, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	760 ENCINO DR, APTOS, CA 95003-4871
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007862
Date	Mar 28, 2019
Instrument	2019-0007862

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 28, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	760 ENCINO DR, APTOS, CA 95003-4871
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	760 ENCINO DR APTOS, APTOS, CA 95003-4871

Mortgage

Document Number	0000038427
Date	Sep 25, 2020
Instrument	2020-0038427

Lender

Name	PRIMELENDING
Type	Mortgage Company
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2035

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		$324,137 (+2%) Land $170,699 Building $153,438
2025	$4,003.00 (+11.23%) Homeowner's exemption	$317,781 (+4.04%) Land $167,352 Building $150,429
2023	$3,599.00 (+2.01%) Homeowner's exemption	$305,442 Land $160,854 Building $144,588	$697,230
2022	$3,528.00

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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