9940 Monroe Ave, Aptos, CA 95003 Property Records

Santa Cruz County property record for 9940 Monroe Ave, Aptos, CA 95003 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,286 sqft · built 1974
Lot Size	0.448 acres (19,515 sqft)
Owner	2 Individual Names on File
Last Sale	$960,000 (Jul 2026)
Tax Bill	$6,203 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jan 2026 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`041-233-46`

Property Details

APN / Parcel Number

Primary APN	`041-233-46`
Alternative APN	`041-233-46-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,286 sqft Living Area
Gross Area	1,726 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	19,515 sqft (0.448 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	9940 MONROE AVE
City	APTOS
State	CA
Zip	95003-4916
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	PM10 42
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 041-233-46

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	2 Individual Names on File
Mailing Address	9940 MONROE AVE, APTOS, CA 95003-4916
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2026	Grant Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 05, 2026	Intrafamily Transfer, Transfer
Jan 05, 2026	Intrafamily Transfer, Transfer
Jan 15, 2020	Affidavit of Death, Transfer NOT AVAILABLE
Jan 15, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 17, 2026 · Amount on Record
Deed Sale	Jul 17, 2026 · Amount on Record
Deed Document Number	202616219
Prior Transfer Date	Jan 15, 2020
Prior Transfer Doc	0000001698
Record Updated	Sep 20, 2026

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 17, 2026
Property Address	9940 MONROE AVE, APTOS, CA 95003-4916
Document Number	0000016219
Instrument Date	Jul 08, 2026
Instrument	202616219
Transaction Type	Transfer
Record Updated	Jul 30, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$106,656.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9940 MONROE AVE, APTOS, CA 95003-4916

Mortgage

Document Number	0000016220,
Date	Jul 17, 2026
Instrument	202616220

Lender

Name	ROCKET MORTGAGE LLC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 05, 2026
Property Address	9940 MONROE AVE, APTOS, CA 95003-4916
Document Number	0000000126
Instrument Date	Dec 24, 2025
Instrument	2026-0000126
Transaction Type	Transfer
Record Updated	Jan 22, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9940 MONROE AVE, APTOS, CA 95003-4916

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 05, 2026
Property Address	9940 MONROE AVE, APTOS, CA 95003-4916
Document Number	0000000127
Map Reference	MB 10 PG 42
Instrument Date	Dec 24, 2025
Instrument	2026-0000127
Transaction Type	Transfer
Record Updated	Jan 22, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 MONTE VERDE HTS, SANTA CRUZ, CA 95060-1719

January 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 15, 2020
Property Address	9940 MONROE AVE, APTOS, CA 95003-4916
Document Number	0000001697
Instrument Date	Jan 15, 2020
Instrument	1697
Transaction Type	Transfer
Record Updated	Feb 03, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2425 PORTER ST #940 APTOS CA 95003, 940, APTOS, CA 95003

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 15, 2020
Property Address	9940 MONROE AVE, APTOS, CA 95003-4916
Document Number	0000001698
Instrument Date	Jan 15, 2020
Instrument	1698
Transaction Type	Transfer
Record Updated	Feb 03, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	9940 MONROE AVE APTOS CA 950034916, APTOS, CA 95003-4916

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		$522,668 (+2%) Land $403,250 Building $119,418
2025	$6,203.00 (+8.46%) Homeowner's exemption	$512,420 (+4.04%) Land $395,343 Building $117,077
2024	$5,719.00 (+1.69%)
2023	$5,624.00 (+1.92%) Homeowner's exemption	$492,521 Land $379,991 Building $112,530	$747,900
2022	$5,518.00

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 20% of the US · above 11% of California
Wildfire Likelihood	About 1 in 5,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Mobile Coverage

5G and 4G LTE

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