775 Willow Hts, Aptos, CA 95003 Property Records

Santa Cruz County property record for 775 Willow Hts, Aptos, CA 95003 · Last verified August 2026

Property Summary

Property Type	Recreational Vacant Land
Details	3 bd · 3 ba · 3,877 sqft · built 1975
Lot Size	3.36 acres (146,623 sqft)
Owner	Company Name on File
Last Sale	$390,000 (Dec 1996)
Tax Bill	$8,199 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`108-281-03`

Property Details

APN / Parcel Number

Primary APN	`108-281-03`
Alternative APN	`108-281-03-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Building Area	3,877 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1990
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	146,623 sqft
Terrain	Steep
View / Lot	Mountain
Garage Type	Attached
Garage Area	748 sqft
Parking Spaces	3 Parking Spaces
Deck Area	955 sqft
Patio Area	955 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	775 WILLOW HTS
City	APTOS
State	CA
Zip	95003-9798
Property Category	Public Works
Property Type	Public Works > Recreational Vacant Land
Legal Subdivision	RANCHO LAGUNA DE LAS CALABASAS
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2000
Census Tract	122402

Owner

Source: Santa Cruz County records · APN 108-281-03

Assessment roll updated August 19, 2026 · Last verified August 2026

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

Owner of Record	Company Name on File
Mailing Address	775 WILLOW HTS, APTOS, CA 95003-9798
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 01, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Feb 05, 2020	Deed of Trust, Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 06, 1996 · Amount on Record
Deed Sale	Dec 06, 1996 · Amount on Record
Deed Document Number	199665845
Deed Book / Page	5949 / 118
Last Transfer Date	Jan 14, 2009
Transfer Doc	0000001902
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	775 WILLOW HTS, APTOS, CA 95003-9798
Transaction Type	Mortgage
Record Updated	Dec 17, 2021
Title Company	TITLE CONNECT TSG, TITLE CONNECT SIM

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	775 WILLOW HTS, APTOS, CA 95003-9798

Mortgage

Document Number	0000058568
Date	Dec 01, 2021
Instrument	2021-0058568

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.25%
Type Change Date	Dec 01, 2028
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.25%
Index	Other
Max Rate	7.25%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	775 WILLOW HTS, APTOS, CA 95003-9798
Document Number	0000005306
Instrument Date	Feb 05, 2020
Transaction Type	Mortgage
Record Updated	Mar 04, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	775 WILLOW HTS APTOS CA 950039798, APTOS, CA 95003-9798

Mortgage

Document Number	0000005306
Date	Feb 14, 2020
Instrument	5306

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 13, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.25%

Tax Assessment & Valuation

Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$835,014 (+2%) Land $352,193 Building $482,821
2025	$8,199.00 (-11.08%) Veteran's exemption	$818,642 (+4.04%) Land $345,288 Building $473,354
2023	$9,221.00 (+1.97%) Homeowner's exemption	$786,853 Land $331,880 Building $454,973	$1,449,540
2022	$9,043.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060871224022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	3 (2016–2023)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Mar 2023, rainfall accumulation, Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides

Wildfire

Wildfire Risk	Moderate above 50% of the US · above 29% of California
Wildfire Likelihood	About 1 in 926 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 14 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Razzolink	Fixed Wireless (unlicensed)	500 / 250
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Etheric Communications, LLC., Spectrum, Surfnet Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

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