810 Encino Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 810 Encino Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,069 sqft · built 1976
Lot Size	0.156 acres (6,795 sqft)
Owner	2 Individual Names on Record
Last Sale	$960,000 (May 2023)
Tax Bill	$11,781 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage May 2023 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`044-161-12`

Property Details

APN / Parcel Number

Primary APN	`044-161-12`
Alternative APN	`044-161-12-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	1,069 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 2021
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,795 sqft (0.156 acres)
Terrain	Steep
Deck Area	620 sqft
Patio Area	620 sqft

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	810 ENCINO DR
City	APTOS
State	CA
Zip	95003-4831
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10-SP
Legal Subdivision	DEER PARK VILLA SITES 04
Legal Lot Number	238
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1003
Census Tract	122202

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	2 Individual Names on Record
Mailing Address	810 ENCINO DR, APTOS, CA 95003-4831
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 26, 2023	Grant Deed, Transfer · Conventional Mortgage BAY FCU
May 26, 2023	Intrafamily Transfer, Transfer STEWART TITLE, STEWART TITLE OF CA INC
Jul 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Mar 10, 2018	Deed of Trust, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2023 · Amount on Record
Deed Sale	May 26, 2023 · Amount on Record
Prior Sale	Apr 2, 2007 · Amount on Record
Deed Document Number	20239364
Prior Transfer Date	May 17, 2023
Prior Transfer Doc	0000009363
Record Updated	Sep 20, 2026

May 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 26, 2023
Property Address	810 ENCINO DR, APTOS, CA 95003-4831
Document Number	0000009364
Map Reference	MB 24 PG 20
Instrument Date	May 17, 2023
Instrument	2023-0009364
Transaction Type	Transfer
Record Updated	Jun 8, 2023
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,056.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	810 ENCINO DR, APTOS, CA 95003-4831

Mortgage

Document Number	0000009365
Date	May 26, 2023
Instrument	2023-0009365

Lender

Name	BAY FCU
Type	Credit Union

Agreement

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

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	May 26, 2023
Property Address	810 ENCINO DR, APTOS, CA 95003-4831
Document Number	0000009363
Map Reference	MB 24 PG 20
Instrument Date	May 17, 2023
Instrument	2023-0009363
Transaction Type	Transfer
Record Updated	Jun 8, 2023
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

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	810 ENCINO DR, APTOS, CA 95003-4831

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	810 ENCINO DR, APTOS, CA 95003-4831
Transaction Type	Mortgage
Record Updated	Aug 8, 2022
Title Company	AMROCK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	810 ENCINO DR, APTOS, CA 95003-4831

Mortgage

Document Number	0000021714
Date	Jul 27, 2022
Instrument	2022-0021714

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	810 ENCINO DR, APTOS, CA 95003-4831
Document Number	0000027235
Instrument Date	Jul 17, 2020
Transaction Type	Mortgage
Record Updated	Aug 4, 2020
Title Company	AMROCK TITLE CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	810 ENCINO DR APTOS CA 950034831, APTOS, CA 95003-4831

Mortgage

Document Number	0000027235
Date	Jul 23, 2020
Instrument	27235

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 22, 2040

March 2018: Deed of Trust, Transfer

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	810 ENCINO DR, APTOS, CA 95003-4831
Document Number	0000008340
Instrument Date	Mar 10, 2018
Transaction Type	Transfer
Record Updated	Apr 3, 2018
Title Company	TITLE SOURCE

Transaction

Additional	Arm's Length

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	810 ENCINO DR APTOS CA 950034831, APTOS, CA 95003-4831

Mortgage

Document Number	0000008340
Date	Mar 20, 2018
Instrument	8340

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 19, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.99%

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		$1,018,760 (+2%) Land $713,132 Building $305,628
2025	$11,781.00 (+49.32%)	$998,784 (+42.31%) Land $699,148 Building $299,636
2023	$7,890.00 (+1.87%) Homeowner's exemption	$701,835 Land $491,285 Building $210,550	$842,400
2022	$7,745.00

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	6 (1982–2016)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Mar 2016 · rainfall accumulation

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	Direct burnable vegetation

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 519 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
Verizon Fixed Wireless	300 / 20

May also be available: Cruzio, Etheric Networks, Surfnet Communications.

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