865 Day Valley Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 865 Day Valley Rd, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,415 sqft · built 1862
Lot Size	3.98 acres (173,412 sqft)
Owner	2 Individual Names on Record
Last Sale	$800,000 (May 2004)
Tax Bill	$10,886 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Sep 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`105-531-10`

Property Details

APN / Parcel Number

Primary APN	`105-531-10`
Alternative APNs	`105-531-10-000` `10518222000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,415 sqft Living Area
Gross Area	1,943 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1862
Effective Year Built	Effective 1862
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	173,412 sqft
Terrain	Steep
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	365 sqft
Patio Area	365 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	865 DAY VALLEY RD
City	APTOS
State	CA
Zip	95003-9726
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Subdivision	SOQUEL AUGMENTATION RHO
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1000
Census Tract	122204

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	2 Individual Names on Record
Mailing Address	865 DAY VALLEY RD, APTOS, CA 95003-9726
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage STAR ONE CU
Sep 11, 2018	Deed of Trust, Mortgage · Line of Credit SANTA CRUZ COUNTY BANK
Oct 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage BAY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2004 · Amount on Record
Deed Sale	May 20, 2004 · Amount on Record
Deed Document Number	200435633
Prior Transfer Date	Jan 23, 2003
Prior Transfer Doc	0000034570
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	865 DAY VALLEY RD, APTOS, CA 95003-9726
Transaction Type	Mortgage
Record Updated	Jan 4, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	865 DAY VALLEY RD, APTOS, CA 95003-9726

Mortgage

Document Number	0000061751
Date	Dec 22, 2021
Instrument	2021-0061751

Lender

Name	STAR ONE CU
Type	Credit Union
Address	SUNNYVALE, CA 94088

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jan 1, 2032

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	865 DAY VALLEY RD, APTOS, CA 95003-9726
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE OF CALIFORNIA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027730
Date	Sep 11, 2018
Instrument	2018-0027730

Lender

Name	SANTA CRUZ COUNTY BANK
Type	Bank
Address	SANTA CRUZ, CA 95061

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	865 DAY VALLEY RD, APTOS, CA 95003-9726
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TI CO SALIN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033471
Date	Oct 29, 2019
Instrument	2019-0033471

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2034

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		$940,190 (+2%) Land $695,188 Building $245,002
2025	$10,886.00 (+9.55%) Homeowner's exemption	$921,754 (+4.04%) Land $681,556 Building $240,198
2023	$9,937.00 (+1.83%) Homeowner's exemption	$885,964 Land $655,092 Building $230,872	$1,049,040
2022	$9,758.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective July 10, 2019

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 62% of the US · lower than 77% of California
Wildfire Likelihood	0.06% 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	CENTRAL WATER DISTRICT serves 2,726 people · EPA ID CA4410018
Water Source	Groundwater
Last State Inspection	Sep 2022
Lead	Under 1 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 135 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Surfnet Communications Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Cruzio, Etheric Networks, Xfinity.

Cell Coverage

4G LTE only, no 5G reported

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