Santa Cruz County property record for 851 Burns Ave, Aptos, CA 95003
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,284 sqft · built 1978 |
| Lot Size | 0.133 acres (5,793 sqft) |
| Owner | Individual Name on File |
| Last Sale | $825,000 (Sep 2025) |
| Tax Bill | $10,867 (2025) |
| Deeds & Mortgages | Sep 2025 Transfer Sep 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-162-09 |
| Primary APN | 040-162-09 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Building Area | 1,284 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 2000 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 5,793 sqft (0.133 acres) |
| Terrain | Steep |
| Garage Type | Carport |
| Garage Area | 472 sqft |
| Carport | Carport |
| Carport Area | 472 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Heating System | HVAC |
|---|---|
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 851 BURNS AVE |
|---|---|
| City | APTOS |
| State | CA |
| Zip | 95003-2902 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-15 |
| Legal Subdivision | MONTE TOYON/ RIO DEL MAR 01 |
| Legal Block | 9 |
| Legal Lot Number | 35 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 122002 |
Source: Santa Cruz County records · APN 040-162-09
Assessment roll updated 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 Record | Individual Name on File |
|---|---|
| Mailing Address | 223 NE CYPRESS TRL, JENSEN BEACH, FL 34957-4609 |
| Owner Type | Individual |
| Vesting | Sole Owner |
| Date | Document |
|---|---|
| Sep 04, 2025 | Intrafamily Transfer, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Sep 04, 2025 | Grant Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Sep 16, 2021 | Grant Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 04, 2025 · Amount on Record |
| Deed Sale | Sep 04, 2025 · Amount on Record |
| Prior Sale | Sep 16, 2021 · Amount on Record |
| Deed Document Number | 202518661 |
| Prior Transfer Date | Oct 24, 2013 |
| Prior Transfer Doc | 0000052240 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Sep 04, 2025 |
| Property Address | 851 BURNS AVE, APTOS, CA 95003-2902 |
| Document Number | 0000018662 |
| Map Reference | MB 24 PG 22 |
| Instrument Date | Sep 02, 2025 |
| Instrument | 2025-0018662 |
| Transaction Type | Transfer |
| Record Updated | Sep 26, 2025 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 223 NE CYPRESS TRL, JENSEN BEACH, FL 34957-4609 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Sep 04, 2025 |
| Property Address | 851 BURNS AVE, APTOS, CA 95003-2902 |
| Document Number | 0000018661 |
| Map Reference | MB 24 PG 22 |
| Instrument Date | Aug 28, 2025 |
| Instrument | 2025-0018661 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2025 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $907.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 851 BURNS AVE, APTOS, CA 95003-2902 |
| Document Number | 0000018663 |
|---|---|
| Date | Sep 04, 2025 |
| Instrument | 2025-0018663 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2055 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Sep 16, 2021 |
| Property Address | 851 BURNS AVE, APTOS, CA 95003-2902 |
| Document Number | 0000047629 |
| Map Reference | MB 24 PG 22 |
| Instrument Date | Sep 09, 2021 |
| Instrument | 2021-0047629 |
| Transaction Type | Transfer |
| Record Updated | Sep 28, 2021 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $951.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 851 BURNS AVE, APTOS, CA 95003-2902 |
| Document Number | 0000047630 |
|---|---|
| Date | Sep 16, 2021 |
| Instrument | 2021-0047630 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $825,001 (-10.13%) Land $575,001 Building $250,000 | ||
| 2025 | $10,867.00 (+9.57%) | $917,944 (+4.04%) Land $642,561 Building $275,383 | |
| 2023 | $9,918.00 (+1.82%) | $882,300 Land $617,610 Building $264,690 | $803,700 |
| 2022 | $9,741.00 |
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
| 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 |
|
| Wildfire Risk | Moderate above 62% of the US · lower than 62% of California |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
May also be available: Cruzio Internet, Etheric Communications, LLC., Surfnet Communications.
Based on FCC filings for 66 locations within half a mile of this property.
5G and 4G LTE (outdoors only)
Source: EPA Safe Drinking Water Information System, water system CA4410017, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SOQUEL CREEK WATER DISTRICT serves 40,962 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2023 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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