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851 Bear Valley Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 851 Bear Valley Rd, Aptos, CA 95003

Property Summary

Property TypeRecreational Vacant Land
Details3 bd · 2.5 ba · 2,798 sqft · built 1970
Lot Size6.9 acres (300,825 sqft)
Owner2 Individual Names on File
Last Sale$832,500 (Jan 2016)
Tax Bill$12,035 (2025)
Deeds & MortgagesMay 2021 Mortgage
Jan 2020 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN105-151-07

Property Details

APN / Parcel Number

Primary APN105-151-07
Alternative APN
  • 105-151-07-000

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Building Area2,798 sqft Gross Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1970
Effective Year BuiltEffective 2015
Construction TypeWood
Roof TypeSawtooth
Roof MaterialComposition Shingle
Lot Area300,825 sqft
TerrainSteep
Garage TypeAttached
Garage Area660 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Heating SystemHVAC
SewerSeptic
Water SourceWell

Location & Zoning

Street Address851 BEAR VALLEY RD
CityAPTOS
StateCA
Zip95003-9521
Property CategoryPublic Works
Property TypePublic Works > Recreational Vacant Land
Local Zoning CodeSU
Legal SubdivisionFRED J THERIOT AND LEANORE L THERIOT
JurisdictionSANTA CRUZ CA
Township / Civil DivisionSANTA CRUZ
Census Block Group1
Census Block1000
Census Tract122002

Owner

Source: Santa Cruz County assessment roll, APN 105-151-07, as of August 19, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address851 BEAR VALLEY RD, APTOS, CA 95003-9521
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 06, 2021Intrafamily Transfer, Transfer · Conventional Mortgage
QUICKEN LOANS LLC
Jan 23, 2020Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Sep 08, 2020Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 15, 2016 · Amount on Record
Deed SaleJan 15, 2016 · Amount on Record
Prior SaleNov 18, 2014 · Amount on Record
Deed Document Number20161512
Last Transfer DateApr 26, 2021
Transfer Doc0000025985
Record UpdatedSep 20, 2026

May 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSANTA CRUZ CA
Recording DateMay 06, 2021
Property Address851 BEAR VALLEY RD, APTOS, CA 95003-9521
Document Number0000025985
Instrument DateApr 26, 2021
Instrument2021-0025985
Transaction TypeTransfer
Record UpdatedMay 19, 2021
Title CompanyCHICAGO TITLE COMPANY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address851 BEAR VALLEY RD, APTOS, CA 95003-9521

Mortgage

Document Number0000025986
DateMay 06, 2021
Instrument2021-0025986
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueMay 01, 2036

January 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address851 BEAR VALLEY RD, APTOS, CA 95003-9521
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyOLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000002620
DateJan 23, 2020
Instrument2020-0002620
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term241 Months
DueFeb 01, 2040

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address851 BEAR VALLEY RD, APTOS, CA 95003-9521
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyOLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
Address851 BEAR VALLEY RD, APTOS, CA 95003-9521

Mortgage

Document Number0000034958
DateSep 08, 2020
Instrument2020-0034958
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueSep 01, 2040

Tax Assessment & Valuation

Source: Santa Cruz County assessment roll as of August 19, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
Unified School DistrictPajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$1,005,221 (+2%) Land $655,054 Building $350,167
2025$12,035.00 (+9.41%)$985,511 (+4.04%) Land $642,210 Building $343,301
2023$11,000.00 (+1.92%)$947,243 Land $617,272 Building $329,971$1,045,260
2022$10,793.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), as of July 10, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060871220021, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies5 in force
Nearby Flood Claims7 (1982–2000)
Claims Outside the SFHA6 of 7
Most Recent ClaimFeb 2000 · rainfall accumulation
Claims by Event
  • Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 2 claims

Wildfire

Wildfire RiskModerate
above 62% of the US · lower than 62% of California
Wildfire Likelihood0.2% annual chance
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, 11 locations within half a mile, as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Starlink
Satellite		280 / 30
Surfnet Communications
Fixed Wireless		100 / 20

Cell Coverage

4G LTE (outdoors only), no 5G reported

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