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Single Family ResidenceResidential
$2,621,469$535 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $455,000 on Feb 25, 1993

356 APTOS RIDGE CIR

WATSONVILLE, CA 95076
5
Beds
9 / 5
Baths
4,902 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
1.9 ac
Lot SizeThe size of the land the home sits on, from county records.
1994
Year BuiltThe year the home was originally built, according to county records.
12
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$2.6M
$2.4M low$2.8M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$455,000 · Feb 25, 1993
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$1,286,469
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$1,029,175
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.51%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$610,000
WELLS FARGO HOME MORTGAGE INC · recorded Nov 15, 2002
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$475,000
PENTAGON FCU
3rd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$250,000

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$19,535 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$1,627,432 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$588,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$1,038,732
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,627,432

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.34
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
69
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
21
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
50
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
33
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountySanta Cruz
Lot (acres)The size of the land the home sits on, from county records.1.90
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.Pool W/Hot Tub/Spa
ViewThe type of view from the property, or another feature of the site that affects value.Water

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Aptos High SchoolA-
High · Grades 9–12 · 0.9 mi
M
Aptos Junior HighC
Middle · Grades 7–8 · 1.8 mi
E
Calabasas ElementaryC-
Elementary · Grades KG–6 · 3.7 mi

District: Pajaro Valley Joint Unified School District

Neighborhood · ZIP 95076These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.79
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.510

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.15%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.9%
PopulationHow many people live in this area.83,352
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.573 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$82,517
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$113,801
Average tempThe average temperature here across a full year.57°F
Annual precipHow much rain and melted snow falls here in a typical year.23 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.74%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

356 Aptos Ridge Cir measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Among the most valuable homes in Watsonville 95076
  • Costs less per square foot than 76% of homes in Santa Cruz County
  • Among the largest homes in Watsonville 95076
  • Has a bigger lot than 91% of homes in Santa Cruz County
  • Newer than 85% of homes in Santa Cruz County

What homes are worth in Watsonville 95076

Each bar is how many homes fall in that price range. The marker is this home.

This home
$392K$2.2M

This home is worth more than almost all homes in Watsonville 95076.

How it measures up in Watsonville 95076

The dot is this home. The mark in the middle is the typical home in Watsonville 95076.

Estimated value$2,621,469
CheaperTypical $743,745Pricier

Pricier than almost all homes nearby

Price per ft²$535
CheaperTypical $505Pricier

Pricier than 58% of homes nearby

Living area4,902 ft²
SmallerTypical 1,484 ft²Bigger

Bigger than almost all homes nearby

Lot size1.9 ac
SmallerTypical 0.17 acBigger

Bigger than 86% of homes nearby

Year built1994
OlderTypical 1974Newer

Newer than 82% of homes nearby

How 356 Aptos Ridge Cir ranks against every home in each area.
MeasureThis homeWatsonville 95076Santa Cruz County
Estimated valuepricier than$2,621,469almost all homes97% of homes
Price per ft²pricier than$53558% of homes24% of homes
Living areabigger than4,902 ft²almost all homesalmost all homes
Lot sizebigger than1.9 ac86% of homes91% of homes
Year builtnewer than199482% of homes85% of homes

About 356 Aptos Ridge Cir

How much is 356 Aptos Ridge Cir, Watsonville, CA worth?

The TopHap Estimate for 356 Aptos Ridge Cir, Watsonville, CA is $2,621,469 as of Jul 14, 2026. The likely range is $2,407,112 to $2,835,826. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 356 Aptos Ridge Cir, Watsonville, CA last sell?

356 Aptos Ridge Cir, Watsonville, CA last sold on Feb 25, 1993 for $455,000, according to the county's recorded deed.

How big is 356 Aptos Ridge Cir, Watsonville, CA?

356 Aptos Ridge Cir, Watsonville, CA has 5 bedrooms, 9 bathrooms, 4,902 square feet of living space and a 1.90-acre lot.

When was 356 Aptos Ridge Cir, Watsonville, CA built?

356 Aptos Ridge Cir, Watsonville, CA was built in 1994, making it 32 years old.

What schools serve 356 Aptos Ridge Cir, Watsonville, CA?

356 Aptos Ridge Cir, Watsonville, CA is assigned to Aptos High School (high), rated A-; Aptos Junior High (middle), rated C; Calabasas Elementary (elementary), rated C-. All sit in Pajaro Valley Joint Unified School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 356 Aptos Ridge Cir, Watsonville, CA compare to other homes in Watsonville 95076?

Among the 16,782 homes in Watsonville 95076, it is worth more than almost all of them ($2,621,469 against a typical $743,745), its price per square foot is higher than 58% of them ($535 against a typical $505), it is bigger than almost all of them (4,902 ft² against a typical 1,484 ft²), its lot is bigger than 86% of them (1.9 ac against a typical 0.17 ac) and it is newer than 82% of them (1994 against a typical 1974). Measured against all of Santa Cruz County, it is worth more than 97% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 356 Aptos Ridge Cir, Watsonville, CA?

The 2025 property tax bill for 356 Aptos Ridge Cir, Watsonville, CA was $19,535. The county assessed it at $1,627,432.

Closest homes

More homes in Watsonville 95076

Assigned schools

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