822 Encino Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 822 Encino Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,224 sqft · built 1976
Lot Size	0.228 acres (9,932 sqft)
Owner	2 Individual Names on File
Last Sale	$213,000 (Sep 1998)
Tax Bill	$3,973 (2025)
Deeds & Mortgages	Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`044-161-14`

Property Details

APN / Parcel Number

Primary APN	`044-161-14`
Alternative APN	`044-161-14-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,224 sqft Living Area

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Construction Type	Wood
Roof Material	Other
Lot Area	9,932 sqft (0.228 acres)
Deck Area	539 sqft
Patio Area	539 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	822 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 Description	LOT 234
Legal Subdivision	DEER PARK VILLA SITES 04
Legal Lot Number	234
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1003
Census Tract	122202

Owner

822 Encino Dr is owned and occupied by two individuals who acquired it in July 2000.

Source: Santa Cruz County records, as of August 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	822 ENCINO DR, APTOS, CA 95003-4831
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 1998 · Amount on File
Deed Sale	Sep 4, 1998 · Amount on File
Prior Sale	Mar 18, 1997 · Amount on File
Deed Document Number	199852184
Last Transfer Date	Jul 20, 2000
Transfer Doc	0000035063
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	822 ENCINO DR, APTOS, CA 95003-4831
Transaction Type	Mortgage
Record Updated	Jul 15, 2021
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	822 ENCINO DR, APTOS, CA 95003-4831

Mortgage

Document Number	0000034921
Date	Jun 28, 2021
Instrument	2021-0034921

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Type Change Date	Jul 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.37%
Index	Other
Margin	3
Max Rate	7.37%

Tax Assessment & Valuation

The 2025 property tax bill for 822 Encino Dr was $3,973 with a homeowner's exemption, up 9.3% from the year before.

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		$321,418 (+2%) Land $199,886 Building $121,532
2025	$3,973.00 (+9.27%) Homeowner's exemption	$315,118 Land $195,968 Building $119,150
2024	$3,636.00 (+1.79%)
2023	$3,572.00 (+2.03%) Homeowner's exemption	$302,880 Land $188,358 Building $114,522	$944,550
2022	$3,501.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 822 Encino Dr in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1982.

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

Wildfire risk around 822 Encino Dr is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · lower than 81% of California
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Etheric Networks Fixed Wireless	250 / 100
Surfnet Communications Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Cruzio, Razzolink, T-Mobile, Verizon.

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