817 Cathedral Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 817 Cathedral Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,847 sqft · built 1940
Lot Size	0.299 acres (13,024 sqft)
Owner	Individual Name on Record
Last Sale	$460,000 (Oct 2019)
Tax Bill	$7,788 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`040-171-13`

Property Details

APN / Parcel Number

Primary APN	`040-171-13`
Alternative APNs	`040-171-13-000` `04017108000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	1,847 sqft Living Area
Gross Area	2,265 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 2019
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	13,024 sqft (0.299 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	418 sqft
Parking Spaces	1 Parking Space
Deck Area	275 sqft
Patio Area	275 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	817 CATHEDRAL DR
City	APTOS
State	CA
Zip	95003-2904
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Subdivision	MONTE TOYON RIO DEL MAR
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1016
Census Tract	122002

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	Individual Name on Record
Mailing Address	817 CATHEDRAL DR, APTOS, CA 95003-2904
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2022	Deed of Trust, Mortgage · Commercial Mortgage SPRING EQ LLC
Apr 14, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Mar 26, 2020	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 1, 2019	Grant Deed, Transfer · Conventional with PMI CAPITAL ALLIANCE
May 24, 2017	Grant Deed, Transfer · Conventional Mortgage DAVID K KOYLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2019 · Amount on Record
Deed Sale	Oct 1, 2019 · Amount on Record
Prior Sale	May 24, 2017 · Amount on Record
Deed Document Number	201929846
Last Transfer Date	Mar 3, 2021
Transfer Doc	0000021469
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	817 CATHEDRAL DR, APTOS, CA 95003-2904
Transaction Type	Mortgage
Record Updated	Mar 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	817 CATHEDRAL DR, APTOS, CA 95003-2904

Mortgage

Document Number	0000006618
Date	Mar 1, 2022
Instrument	2022-0006618

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	LIMA, OH 45801

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 17, 2052

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 14, 2021
Property Address	817 CATHEDRAL DR, APTOS, CA 95003-2904
Document Number	0000021469
Map Reference	MB 24 PG 22
Instrument Date	Mar 3, 2021
Instrument	2021-0021469
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	817 CATHEDRAL DR, APTOS, CA 95003-2904

Mortgage

Document Number	0000021470
Date	Apr 14, 2021
Instrument	2021-0021470

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 26, 2020
Property Address	817 CATHEDRAL DR, APTOS, CA 95003-2904
Document Number	0000010375
Instrument	2020-0010375
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15 PIMA ST, 15, WATSONVILLE, CA 95076-6655

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010376
Date	Mar 26, 2020
Instrument	2020-0010376

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 1, 2019
Property Address	817 CATHEDRAL DR, APTOS, CA 95003-2904
Document Number	0000029846
Instrument Date	Aug 28, 2019
Instrument	29846
Transaction Type	Transfer
Record Updated	Oct 21, 2019
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$506.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	15 PIMA ST WATSONVILLE CA 950766655, WATSONVILLE, CA 95076-6655

Mortgage

Document Number	29847
Date	Oct 1, 2019
Instrument	29847

Lender

Name	CAPITAL ALLIANCE
Type	Funding / Finance Company
Address	SAN RAFAEL, CA 94901

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

Mortgage

Document Number	29848,
Date	Oct 1, 2019
Instrument	29848

Lender

Name	PLM LENDER SVCS
Type	Funding / Finance Company
Address	SAN RAFAEL, CA 94901

Agreement

Amount	Amount Recorded

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 24, 2017
Property Address	817 CATHEDRAL DR, APTOS, CA 95003-2904
Document Number	0000017119
Instrument Date	May 15, 2017
Instrument	17119
Transaction Type	Transfer
Record Updated	Jun 6, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$550.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	236 CHAPARRAL DR APTOS CA 950039735, APTOS, CA 95003-9735

Mortgage

Document Number	17120
Date	May 24, 2017
Instrument	17120

Lender

Name	DAVID K KOYLE
Address	100 SAND DOLLAR DR, WATSONVILLE, CA 95076-1834

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$658,501 (+2%) Land $514,240 Building $144,261
2025	$7,788.00 (+22.97%)	$645,591 (+17.16%) Land $504,158 Building $141,433
2023	$6,333.00 (+5.36%)	$551,022 Land $484,580 Building $66,442	$515,880
2022	$6,011.00

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	5 in force
Nearby Flood Claims	7 (1982–2000)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Feb 2000 · rainfall accumulation
Claims by Event	Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 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 62% of the US · lower than 62% 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.

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 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

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

Cell Coverage

4G LTE only, no 5G reported

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