824 Seacliff Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 824 Seacliff Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,208 sqft · built 1964
Lot Size	0.138 acres (6,011 sqft)
Owner	Trust Name on Record
Last Sale	$1,150,000 (Nov 2023)
Tax Bill	$8,059 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Feb 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`038-101-21`

Property Details

APN / Parcel Number

Primary APN	`038-101-21`
Alternative APN	`038-101-21-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	1,208 sqft Living Area
Gross Area	1,648 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Construction Type	Wood
Roof Material	Other
Lot Area	6,011 sqft (0.138 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	824 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
Legal Lot Number	18
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	Trust Name on Record
Mailing Address	824 SEACLIFF DR, APTOS, CA 95003-3562
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2025	Deed of Trust, Mortgage · Conventional Mortgage STG MORTGAGE INC
Feb 26, 2024	Deed of Trust, Mortgage · Conventional Mortgage NMSI INC
Nov 30, 2023	Grant Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2023 · Amount on Record
Deed Sale	Nov 30, 2023 · Amount on Record
Deed Document Number	202322980
Prior Transfer Date	Nov 23, 2023
Prior Transfer Doc	0000022979
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	824 SEACLIFF DR, APTOS, CA 95003-3562
Transaction Type	Mortgage
Record Updated	Sep 26, 2025
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	824 SEACLIFF DR, APTOS, CA 95003-3562

Mortgage

Document Number	0000019020
Date	Sep 10, 2025
Instrument	2025-0019020

Lender

Name	STG MORTGAGE INC
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	481 Months
Due	Oct 1, 2065

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	824 SEACLIFF DR, APTOS, CA 95003-3562
Transaction Type	Mortgage
Record Updated	Mar 12, 2024
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	824 SEACLIFF DR, APTOS, CA 95003-3562

Mortgage

Document Number	0000003404
Date	Feb 26, 2024
Instrument	2024-0003404

Lender

Name	NMSI INC
Type	Mortgage Company
Address	LOS ANGELES, CA 90010

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

November 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 30, 2023
Property Address	824 SEACLIFF DR, APTOS, CA 95003-3562
Document Number	0000022980
Map Reference	VOL 37 PG 29
Instrument Date	Nov 20, 2023
Instrument	2023-0022980
Transaction Type	Transfer
Record Updated	Dec 13, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Tax	$1,265.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	824 SEACLIFF DR, APTOS, CA 95003-3562

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		$589,110 (+2%) Land $441,832 Building $147,278
2025	$8,059.00 (+315.2%) Homeowner's exemption	$577,558 (+813.31%) Land $433,168 Building $144,390
2023	$1,941.00 (+4.52%) Homeowner's exemption	$63,238 Land $16,802 Building $46,436	$1,127,250
2022	$1,857.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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