Santa Cruz County property record for 7625 Oak Ridge Rd, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,485 sqft · built 1978 |
| Lot Size | 1.44 acres (63,075 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,395,000 (Apr 2021) |
| Tax Bill | $17,481 (2025) |
| Deeds & Mortgages | Sep 2018 Line of Credit Apr 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-051-24 |
| Primary APN | 040-051-24 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 2,485 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Construction Type | Wood |
| Lot Area | 63,075 sqft |
| Terrain | Steep |
| View / Lot | Ocean |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 7625 OAK RIDGE RD |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-2742 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 122001 |
7625 Oak Ridge Rd is owned and occupied by two individuals who bought it in April 2021.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 7625 OAK RIDGE RD, APTOS, CA 95003-2742 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 28, 2018 | Deed of Trust, Mortgage · Line of Credit MUFG UNION BANK NA |
| Apr 2, 2021 | Grant Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 2, 2021 · Amount on File |
| Deed Sale | Apr 2, 2021 · Amount on File |
| Deed Document Number | 202119079 |
| Prior Transfer Date | Feb 9, 2012 |
| Prior Transfer Doc | 0000007650 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 7625 OAK RIDGE RD, APTOS, CA 95003-2742 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2022 |
| Title Company | CHICAGO TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000029526 |
|---|---|
| Date | Sep 28, 2018 |
| Instrument | 2018-0029526 |
| Name | MUFG UNION BANK NA |
|---|---|
| Type | Bank |
| Address | SAN DIEGO, CA 92121 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Apr 2, 2021 |
| Property Address | 7625 OAK RIDGE RD, APTOS, CA 95003-2742 |
| Document Number | 0000019079 |
| Instrument Date | Apr 1, 2021 |
| Instrument | 2021-0019079 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,534.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 7625 OAK RIDGE RD, APTOS, CA 95003-2742 |
| Document Number | 0000019080 |
|---|---|
| Date | Apr 2, 2021 |
| Instrument | 2021-0019080 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
The 2025 property tax bill for 7625 Oak Ridge Rd was $17,481 with a homeowner's exemption.
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,540,192 (+2%) Land $988,152 Building $552,040 | ||
| 2025 | $17,481.00 Homeowner's exemption | $1,509,992 Land $968,776 Building $541,216 | |
| 2023 | $16,001.00 (+1.79%) Homeowner's exemption | $1,451,358 Land $931,158 Building $520,200 | $1,340,370 |
| 2022 | $15,719.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7625 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 |
|
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 risk around 7625 Oak Ridge Rd is moderate, ranking above 65% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 65% of the US · above 40% of California |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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.
5G and 4G LTE (outdoors only)
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