9728 Monroe Ave, Aptos, CA 95003 Property Records

Santa Cruz County property record for 9728 Monroe Ave, Aptos, CA 95003 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,940 sqft · built 2015
Lot Size	0.569 acres (24,786 sqft)
Owner	Individual Name on File
Last Sale	$1,150,000 (Apr 2016)
Tax Bill	$15,880 (2025)
Deeds & Mortgages	Apr 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`041-233-55`

Property Details

APN / Parcel Number

Primary APN	`041-233-55`
Alternative APN	`041-233-55-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	2,940 sqft Living Area

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Wood Shingle
Lot Area	24,786 sqft (0.569 acres)
Terrain	Steep
Garage Type	Carport
Carport	Carport
Deck Area	408 sqft
Patio Area	580 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	9728 MONROE AVE
City	APTOS
State	CA
Zip	95003-4225
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	PM22 72
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2005
Census Tract	122204

Owner

Source: Santa Cruz County records · APN 041-233-55

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	7960 SOQUEL DR, B361, APTOS, CA 95003-3999
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 29, 2016 · Amount on Record
Deed Sale	Apr 29, 2016 · Amount on Record
Deed Document Number	201615051
Prior Transfer Date	Nov 19, 2009
Prior Transfer Doc	0000000052
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 15, 2026
Property Address	9728 MONROE AVE, APTOS, CA 95003-4225
Document Number	0000008288
Instrument Date	Apr 09, 2026
Instrument	20268288
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ATLAS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9728 MONROE AVE, APTOS, CA 95003-4225

Mortgage

Document Number	0000008288,
Date	Apr 15, 2026
Instrument	20268288

Lender

Name	GOLDEN 1 CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 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

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		$1,388,595 (+2%) Land $833,157 Building $555,438
2025	$15,880.00 (+7.7%)	$1,361,367 (+4.04%) Land $816,820 Building $544,547
2024	$14,745.00 (+1.47%)
2023	$14,531.00 (+1.79%)	$1,308,504 Land $785,102 Building $523,402	$1,284,930
2022	$14,275.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 34% of the US · above 20% of California
Wildfire Likelihood	About 1 in 2,941 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 261 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: T-Mobile USA, Surfnet Communications, AT&T, Etheric Communications, LLC., Cruzio Internet. Availability varies by address; speeds are provider-advertised maximums, not measured.