940 Willow Hts, Aptos, CA 95003 Property Records

Santa Cruz County property record for 940 Willow Hts, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,925 sqft · built 1982
Lot Size	2.3 acres (100,362 sqft)
Owner	2 Individual Names on File
Last Sale	$355,000 (Jun 1994)
Tax Bill	$7,660 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`108-281-15`

Property Details

APN / Parcel Number

Primary APN	`108-281-15`
Alternative APN	`108-281-15-000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Building Area	1,925 sqft Living Area
Gross Area	2,345 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	100,362 sqft
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Deck Area	903 sqft
Patio Area	903 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	940 WILLOW HTS
City	APTOS
State	CA
Zip	95003-9592
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Subdivision	RANCHO LAGUNA DE LAS CALABASAS
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2000
Census Tract	122402

Owner

Source: Santa Cruz County assessment roll, 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 File
Mailing Address	940 WILLOW HTS, APTOS, CA 95003-9592
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2022	Deed of Trust, Mortgage · Line of Credit SANTA CRUZ COUNTY BANK
Mar 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 3, 1994 · Amount on Record
Deed Sale	Jun 3, 1994 · Amount on Record
Deed Document Number	199441751
Deed Book / Page	5518 / 405
Last Transfer Date	Dec 8, 2016
Transfer Doc	0000050282
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	940 WILLOW HTS, APTOS, CA 95003-9592
Transaction Type	Mortgage
Record Updated	May 4, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	940 WILLOW HTS, APTOS, CA 95003-9592

Mortgage

Document Number	0000012980
Date	Apr 22, 2022
Instrument	2022-0012980

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

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	940 WILLOW HTS, APTOS, CA 95003-9592
Transaction Type	Mortgage
Record Updated	Mar 24, 2021
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	940 WILLOW HTS, APTOS, CA 95003-9592

Mortgage

Document Number	0000014083
Date	Mar 9, 2021
Instrument	2021-0014083

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company
Address	CHARLOTTE, NC 28211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

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		$615,472 (+2%) Land $303,402 Building $312,070
2025	$7,660.00 (+9.84%) Homeowner's exemption	$603,404 (+4.04%) Land $297,453 Building $305,951
2023	$6,974.00 (+2.05%) Homeowner's exemption	$579,973 Land $285,903 Building $294,070	$1,173,060
2022	$6,834.00

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 · 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	9 in force
Nearby Flood Claims	3 (2016–2023)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Mar 2023 · Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides

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 53% of the US · lower than 68% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
Etheric Communications, LLC. Fixed Wireless	250 / 100

May also be available: Cruzio Internet, Razzolink, Surfnet Communications.

Cell Coverage

5G and 4G LTE (outdoors only)

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