7777 Oak Ridge Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 7777 Oak Ridge Rd, Aptos, CA 95003

Property Summary

Property Type	Recreational Vacant Land
Details	3 bd · 3 ba · 3,355 sqft · built 1963
Lot Size	3.07 acres (133,816 sqft)
Owner	Trust Name on Record
Tax Bill	$16,391 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Jul 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`040-051-30`

Property Details

APN / Parcel Number

Primary APN	`040-051-30`
Alternative APN	`040-051-30-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Building Area	3,355 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	133,816 sqft
Terrain	Steep
Garage Type	Attached
Garage Area	297 sqft
Parking Spaces	1 Parking Space
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	7777 OAK RIDGE RD
City	APTOS
State	CA
Zip	95003-2742
Property Category	Public Works
Property Type	Public Works > Recreational Vacant Land
Local Zoning Code	A
Legal Subdivision	SECRET VALLEY
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1000
Census Tract	122001

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	Trust Name on Record
Mailing Address	7777 OAK RIDGE RD, APTOS, CA 95003-2742
Owner Type	Individual
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2026	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORPORATION
Jul 14, 2023	Grant Deed, Transfer · Conventional Mortgage KIND LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 28, 2016
Transfer Doc	0000015652
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 31, 2026
Property Address	7777 OAK RIDGE RD, APTOS, CA 95003-2742
Document Number	0000019521
Instrument Date	Aug 24, 2026
Instrument	202619521
Transaction Type	Mortgage
Record Updated	Sep 15, 2026
Title Company	TITLE CONNECT CA, TITLE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust, 221
Address	7777 OAK RIDGE RD, APTOS, CA 95003-2742

Mortgage

Document Number	0000019521,
Date	Aug 31, 2026
Instrument	202619521

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	124 Months
Due	Dec 1, 2036

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

July 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 14, 2023
Property Address	7777 OAK RIDGE RD, APTOS, CA 95003-2742
Document Number	0000012859
Instrument Date	Jul 10, 2023
Instrument	2023-0012859
Transaction Type	Transfer
Record Updated	Jul 27, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,516.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	7777 OAK RIDGE RD, APTOS, CA 95003-2742

Mortgage

Document Number	0000012860
Date	Jul 14, 2023
Instrument	2023-0012860

Lender

Name	KIND LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

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		$1,440,212 (+2.39%) Land $1,248,480 Building $191,732
2025	$16,391.00 (+774.19%)	$1,406,580 (+862.91%) Land $1,224,000 Building $182,580
2023	$1,875.00 (+2.35%) Homeowner's exemption	$146,076 (+2%) Land $56,088 Building $89,988	$1,208,070
2022	$1,832.00 Homeowner's exemption	$143,212 Land $54,988 Building $88,224

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 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

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.

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

5G and 4G LTE (outdoors only)

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