775 Seacliff Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 775 Seacliff Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,359 sqft · built 1982
Lot Size	0.715 acres (31,145 sqft)
Owner	Individual Name on Record
Tax Bill	$4,273 (2025)
Deeds & Mortgages	May 2023 Reverse Mortgage Feb 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`038-102-38`

Property Details

APN / Parcel Number

Primary APN	`038-102-38`
Alternative APN	`038-102-38-000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	1,359 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Construction Type	Wood
Roof Material	Other
Lot Area	31,145 sqft (0.715 acres)
Terrain	Steep

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	775 SEACLIFF DR
City	APTOS
State	CA
Zip	95003-3540
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Subdivision	PM5 48
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1019
Census Tract	122100

Owner

Source: Santa Cruz County records, as of August 25, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	775 SEACLIFF DR, APTOS, CA 95003-3540
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 10, 2023	Intrafamily Transfer, Transfer · Reverse Mortgage PHH MORTGAGE SERVICES CORP
Feb 6, 2019	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Feb 5, 2019	Intrafamily Transfer, Transfer · Line of Credit BAY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 5, 2023
Transfer Doc	0000008259
Record Updated	Oct 29, 2026

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	May 10, 2023
Property Address	775 SEACLIFF DR, APTOS, CA 95003-3540
Document Number	0000008259
Map Reference	MB 5 PG 48
Instrument Date	May 9, 2023
Instrument	2023-0008259
Transaction Type	Transfer
Record Updated	May 24, 2023
Title Company	NOT AVAILABLE, FNC TITLE OF CALIFORNIA

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	775 SEACLIFF DR, APTOS, CA 95003-3540

Mortgage

Document Number	0000008260
Date	May 10, 2023
Instrument	2023-0008260

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	890 Months
Due	Jul 3, 2097

Interest

Rate Type	Adjustable Rate
Rate	6.72%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2023
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	11.7%

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 6, 2019
Property Address	775 SEACLIFF DR, APTOS, CA 95003-3540
Document Number	0000003010
Instrument Date	Jan 28, 2019
Instrument	3010
Transaction Type	Transfer
Record Updated	Feb 21, 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	775 SEACLIFF DR APTOS CA 950033540, APTOS, CA 95003-3540

February 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 5, 2019
Property Address	775 SEACLIFF DR, APTOS, CA 95003-3540
Document Number	0000002880
Map Reference	MB 5 PG 48
Instrument Date	Jan 28, 2019
Instrument	2019-0002880
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	775 SEACLIFF DR, APTOS, CA 95003-3540

Mortgage

Document Number	0000002881
Date	Feb 5, 2019
Instrument	2019-0002881

Lender

Name	BAY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Mar 15, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$247,559 (+2%) Land $132,165 Building $115,394
2025	$4,273.00 (+9.28%) Homeowner's exemption	$242,706 (+4.04%) Land $129,574 Building $113,132
2024	$3,910.00 (+3.38%)
2023	$3,782.00 (+3.16%) Homeowner's exemption	$233,281 Land $124,542 Building $108,739	$958,410
2022	$3,666.00

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
Flood Insurance Cost	Premium on Record median of 23 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	12 (1982–2023)
Claims Outside the SFHA	1 of 12
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 6 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 3 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

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	None beyond ember reach

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 561 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
Starlink Satellite	280 / 30
Etheric Networks Fixed Wireless	250 / 100

May also be available: Cruzio, Surfnet Communications, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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