840 Cathedral Dr, Aptos, CA 95003 Property Records

Santa Cruz County property record for 840 Cathedral Dr, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,085 sqft · built 1961
Lot Size	0.207 acres (9,017 sqft)
Owner	Individual Name on Record
Last Sale	$955,000 (Apr 2022)
Tax Bill	$11,808 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Jul 2020 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`040-162-29`

Property Details

APN / Parcel Number

Primary APN	`040-162-29`
Alternative APN	`040-162-29-000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Building Area	1,085 sqft Living Area
Gross Area	1,337 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 2021
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	9,017 sqft (0.207 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	252 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	840 CATHEDRAL DR
City	APTOS
State	CA
Zip	95003-2905
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-15
Legal Subdivision	MONTE TOYON SUB 1
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	840 CATHEDRAL DR, APTOS, CA 95003-2905
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2022	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jul 16, 2020	Correction Deed OLD REPUBLIC TITLE COMPANY
May 25, 2018	Grant Deed, Transfer OLD REPUBLIC TITLE
Mar 16, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 4, 2022 · Amount on Record
Deed Sale	Apr 4, 2022 · Amount on Record
Deed Document Number	202210756
Prior Transfer Date	Nov 14, 2019
Prior Transfer Doc	0000025965
Record Updated	Sep 20, 2026

April 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 4, 2022
Property Address	840 CATHEDRAL DR, APTOS, CA 95003-2905
Document Number	0000010756
Instrument Date	Mar 30, 2022
Instrument	2022-0010756
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.50
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	840 CATHEDRAL DR, APTOS, CA 95003-2905

Mortgage

Document Number	0000010757
Date	Apr 4, 2022
Instrument	2022-0010757

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

July 2020: Correction Deed

Document Type	Correction Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 16, 2020
Property Address	840 CATHEDRAL DR, APTOS, CA 95003-2905
Document Number	0000025965
Map Reference	MB 24 PG 22
Instrument Date	Nov 14, 2019
Instrument	2020-0025965
Record Updated	Jul 25, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	133 COULSON AVE, SANTA CRUZ, CA 95060-2904

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 25, 2018
Property Address	840 CATHEDRAL DR, APTOS, CA 95003-2905
Document Number	0000015944
Instrument Date	May 22, 2018
Instrument	15944
Transaction Type	Transfer
Record Updated	Jun 7, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Tax	$511.50
Amount Accuracy	Full Value
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2362 SANTA CRUZ CA 950632362, SANTA CRUZ, CA 95063-2362

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 16, 2018
Property Address	840 CATHEDRAL DR, APTOS, CA 95003-2905
Document Number	0000007939
Instrument Date	Feb 23, 2018
Instrument	7939
Transaction Type	Transfer
Record Updated	Mar 26, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7575 SUNSET WAY APTOS CA 950033816, APTOS, CA 95003-3816

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
2026		$1,028,311 (+2%) Land $838,885 Building $189,426
2025	$11,808.00 (+9.53%) Homeowner's exemption	$1,008,147 (+4.04%) Land $822,436 Building $185,711
2023	$10,781.00 (+88.94%) Homeowner's exemption	$969,000 Land $790,500 Building $178,500
2022	$5,706.00

Assessed value is set for property tax purposes and is not a market price estimate.

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

5G and 4G LTE (outdoors only)

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