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Single Family ResidenceResidential
$2,308,053$490 / 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 89How 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 $1,030,000 on Jun 2, 1999

404 APTOS RIDGE CIR

WATSONVILLE, CA 95076
5
Beds
5 / 1
Baths
4,710 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.
3.02 ac
Lot SizeThe size of the land the home sits on, from county records.
1992
Year BuiltThe year the home was originally built, according to county records.
13
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

$2.3M
$2M low$2.6M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$1,030,000 · Jun 2, 1999
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.$1,475,878
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$1,180,702
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.36%
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.$832,175
ROCKET MORTGAGE LLC · 2.62% 1 · recorded Nov 16, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$19,258 (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.$1,596,385 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$687,098
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$909,287
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,596,385

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.3.02
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Tile
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.No
ViewThe type of view from the property, or another feature of the site that affects value.Water
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 883 ft²Patio · 883 ft²

Transaction History(5)

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 · 0.8 mi
M
Aptos Junior HighC
Middle · Grades 7–8 · 1.6 mi
E
Calabasas ElementaryC-
Elementary · Grades KG–6 · 3.8 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.Yes

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

404 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.

  • Worth more than 98% of homes in Watsonville 95076
  • Costs less per square foot than 84% of homes in Santa Cruz County
  • Among the largest homes in Watsonville 95076
  • Has a bigger lot than 94% of homes in Santa Cruz County
  • Newer than 84% 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 98% of 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$2,308,053
CheaperTypical $743,745Pricier

Pricier than 98% of homes nearby

Price per ft²$490
CheaperTypical $505Pricier

Pricier than 45% of homes nearby

Living area4,710 ft²
SmallerTypical 1,484 ft²Bigger

Bigger than almost all homes nearby

Lot size3.02 ac
SmallerTypical 0.17 acBigger

Bigger than 90% of homes nearby

Year built1992
OlderTypical 1974Newer

Newer than 81% of homes nearby

How 404 Aptos Ridge Cir ranks against every home in each area.
MeasureThis homeWatsonville 95076Santa Cruz County
Estimated valuepricier than$2,308,05398% of homes95% of homes
Price per ft²pricier than$49045% of homes16% of homes
Living areabigger than4,710 ft²almost all homesalmost all homes
Lot sizebigger than3.02 ac90% of homes94% of homes
Year builtnewer than199281% of homes84% of homes

About 404 Aptos Ridge Cir

How much is 404 Aptos Ridge Cir, Watsonville, CA worth?

The TopHap Estimate for 404 Aptos Ridge Cir, Watsonville, CA is $2,308,053 as of Jul 14, 2026. The likely range is $2,048,096 to $2,568,010. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 404 Aptos Ridge Cir, Watsonville, CA last sell?

404 Aptos Ridge Cir, Watsonville, CA last sold on Jun 2, 1999 for $1,030,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 404 Aptos Ridge Cir, Watsonville, CA?

404 Aptos Ridge Cir, Watsonville, CA has 5 bedrooms, 5 bathrooms, 4,710 square feet of living space and a 3.02-acre lot.

When was 404 Aptos Ridge Cir, Watsonville, CA built?

404 Aptos Ridge Cir, Watsonville, CA was built in 1992, making it 34 years old.

What schools serve 404 Aptos Ridge Cir, Watsonville, CA?

404 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 404 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 98% of them ($2,308,053 against a typical $743,745), its price per square foot is higher than 45% of them ($490 against a typical $505), it is bigger than almost all of them (4,710 ft² against a typical 1,484 ft²), its lot is bigger than 90% of them (3.02 ac against a typical 0.17 ac) and it is newer than 81% of them (1992 against a typical 1974). Measured against all of Santa Cruz County, it is worth more than 95% 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 404 Aptos Ridge Cir, Watsonville, CA?

The 2025 property tax bill for 404 Aptos Ridge Cir, Watsonville, CA was $19,258. The county assessed it at $1,596,385.

Closest homes

More homes in Watsonville 95076

Assigned schools

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