820 Seacliff Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 820 Seacliff Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,637 sqft · built 1964
Lot Size	0.139 acres (6,055 sqft)
Owner	Individual Name on Record
Last Sale	$610,000 (Nov 2014)
Tax Bill	$10,191 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`038-101-20`

Property Details

APN / Parcel Number

Primary APN	`038-101-20`
Alternative APN	`038-101-20-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	1,637 sqft Living Area
Gross Area	2,077 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 2025
Construction Type	Wood
Roof Material	Other
Lot Area	6,055 sqft (0.139 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	820 SEACLIFF DR
City	APTOS
State	CA
Zip	95003-3562
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Subdivision	POPLAR PARK SUB TR #175
Legal Lot Number	17
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1019
Census Tract	122100

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	820 SEACLIFF DR, APTOS, CA 95003-3562
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL TRUST BANK
Mar 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2014 · Amount on Record
Deed Sale	Nov 12, 2014 · Amount on Record
Deed Document Number	201438073
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	820 SEACLIFF DR, APTOS, CA 95003-3562
Transaction Type	Mortgage
Record Updated	Nov 11, 2021
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 SEACLIFF DR, APTOS, CA 95003-3562

Mortgage

Document Number	0000053705
Date	Oct 26, 2021
Instrument	2021-0053705

Lender

Name	CENTRAL TRUST BANK
Type	Bank
Address	JEFFERSON CITY, MO 65101

Agreement

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

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	820 SEACLIFF DR, APTOS, CA 95003-3562
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009679
Date	Mar 19, 2020
Instrument	2020-0009679

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 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		$842,040 (+9.91%) Land $582,297 Building $259,743
2025	$10,191.00 (+14.53%) Homeowner's exemption	$766,129 (+8.72%) Land $570,879 Building $195,250
2023	$8,898.00 (+1.62%) Homeowner's exemption	$704,660 Land $548,711 Building $155,949	$932,400
2022	$8,756.00

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 23 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	12 (1982–2023)
Claims Outside the SFHA	1 of 12
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 6 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 3 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	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 561 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
Starlink Satellite	280 / 30
Etheric Networks Fixed Wireless	250 / 100

May also be available: Cruzio, Surfnet Communications, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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