7790 Oak Ridge Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 7790 Oak Ridge Rd, Aptos, CA 95003

Property Summary

Property Type	Recreational Vacant Land
Details	3 bd · 3 ba · 5,697 sqft · built 2012
Lot Size	6.81 acres (296,905 sqft)
Owner	Company Name on Record
Last Sale	$650,000 (Nov 2005)
Tax Bill	$19,400 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`040-051-08`

Property Details

APN / Parcel Number

Primary APN	`040-051-08`
Alternative APN	`040-051-08-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Building Area	5,697 sqft Gross Area

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Construction Type	Wood
Roof Material	Metal
Lot Area	296,905 sqft
Terrain	Steep
View / Lot	Mountain
Garage Type	Attached
Garage Area	818 sqft
Parking Spaces	3 Parking Spaces
Deck Area	922 sqft

Location & Zoning

Street Address	7790 OAK RIDGE RD
City	APTOS
State	CA
Zip	95003-2742
Property Category	Public Works
Property Type	Public Works > Recreational Vacant Land
Local Zoning Code	RA
Legal Subdivision	APTOS RHO
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	7790 OAK RIDGE RD, APTOS, CA 95003-2742
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage MASON MCDUFFIE MORTGAGE CORP
Dec 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage MASON MCDUFFIE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2005 · Amount on Record
Deed Sale	Nov 30, 2005 · Amount on Record
Deed Document Number	200583498
Last Transfer Date	Aug 16, 2012
Transfer Doc	0000042170
Record Updated	Sep 20, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	7790 OAK RIDGE RD, APTOS, CA 95003-2742
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003141
Date	Jan 28, 2020
Instrument	2020-0003141

Lender

Name	MASON MCDUFFIE MORTGAGE CORP
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	7790 OAK RIDGE RD, APTOS, CA 95003-2742
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7790 OAK RIDGE RD, APTOS, CA 95003-2742

Mortgage

Document Number	0000051358
Date	Dec 1, 2020
Instrument	2020-0051358

Lender

Name	MASON MCDUFFIE MORTGAGE CORP
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

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		$1,708,675 (+2%) Land $937,451 Building $771,224
2025	$19,400.00 (+9.19%)	$1,675,172 (+4.04%) Land $919,070 Building $756,102
2023	$17,767.00 (+1.78%)	$1,610,123 Land $883,381 Building $726,742	$1,846,350
2022	$17,456.00

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 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 63% of the US · lower than 61% of California
Wildfire Likelihood	0.2% 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

4G LTE (outdoors only), no 5G reported

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