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Single Family ResidenceResidential
$1,319,861$582 / 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 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $798,000 on Mar 12, 2004

406 BERNAL ST

APTOS, CA 95003
4
Beds
4
Baths
2,266 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.
0.65 ac
Lot SizeThe size of the land the home sits on, from county records.
1971
Year BuiltThe year the home was originally built, according to county records.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1.3M
$1.2M low$1.4M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$798,000 · Mar 12, 2004

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$15,915 (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.$1,181,951 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$609,098
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$572,853
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,158,774

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.48
81
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
51
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
23
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
53
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.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.75 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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
StyleThe architectural style of the home, such as ranch or colonial.Duplex Single
CountySANTA CRUZ
Lot (acres)The size of the land the home sits on, from county records.0.65
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.Composition Shingle
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
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 1,517 ft²Patio · 1,517 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.

E
Valencia ElementaryA-
Elementary · Grades KG–6 · 0.2 mi
M
Aptos Junior HighC
Middle · Grades 7–8 · 0.9 mi
H
Aptos High SchoolA-
High · Grades 9–12 · 2.0 mi

District: Pajaro Valley Joint Unified School District

Neighborhood · ZIP 95003These 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.108
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 100.423

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.83%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.31%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.8%
PopulationHow many people live in this area.24,334
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.691 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$133,307
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$167,097
Average tempThe average temperature here across a full year.58°F
Annual precipHow much rain and melted snow falls here in a typical year.28 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.73%

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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

406 Bernal St 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 68% of homes in Santa Cruz County
  • Costs less per square foot than 80% of homes in Aptos 95003
  • Bigger than 78% of homes in Santa Cruz County
  • Has a bigger lot than 90% of homes in Aptos 95003

What homes are worth in Aptos 95003

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

This home
$598K$3.9M

This home is worth more than 58% of homes in Aptos 95003.

How it measures up in Aptos 95003

The dot is this home. The mark in the middle is the typical home in Aptos 95003.

Estimated value$1,319,861
CheaperTypical $1,233,532Pricier

Pricier than 58% of homes nearby

Price per ft²$582
CheaperTypical $705Pricier

Pricier than 20% of homes nearby

Living area2,266 ft²
SmallerTypical 1,680 ft²Bigger

Bigger than 75% of homes nearby

Lot size0.65 ac
SmallerTypical 0.14 acBigger

Bigger than 90% of homes nearby

Year built1971
OlderTypical 1976Newer

Newer than 39% of homes nearby

How 406 Bernal St ranks against every home in each area.
MeasureThis homeAptos 95003Santa Cruz County
Estimated valuepricier than$1,319,86158% of homes68% of homes
Price per ft²pricier than$58220% of homes35% of homes
Living areabigger than2,266 ft²75% of homes78% of homes
Lot sizebigger than0.65 ac90% of homes87% of homes
Year builtnewer than197139% of homes50% of homes

About 406 Bernal St

How much is 406 Bernal St, Aptos, CA worth?

The TopHap Estimate for 406 Bernal St, Aptos, CA is $1,319,861 as of Aug 30, 2026. The likely range is $1,225,484 to $1,414,238. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 406 Bernal St, Aptos, CA last sell?

406 Bernal St, Aptos, CA last sold on Mar 12, 2004 for $798,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 406 Bernal St, Aptos, CA?

406 Bernal St, Aptos, CA has 4 bedrooms, 4 bathrooms, 2,266 square feet of living space and a 0.65-acre lot.

When was 406 Bernal St, Aptos, CA built?

406 Bernal St, Aptos, CA was built in 1971, making it 55 years old. It is a duplex single home.

What schools serve 406 Bernal St, Aptos, CA?

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

How does 406 Bernal St, Aptos, CA compare to other homes in Aptos 95003?

Among the 10,171 homes in Aptos 95003, it is worth more than 58% of them ($1,319,861 against a typical $1,233,532), its price per square foot is higher than 20% of them ($582 against a typical $705), it is bigger than 75% of them (2,266 ft² against a typical 1,680 ft²), its lot is bigger than 90% of them (0.65 ac against a typical 0.14 ac) and it is newer than 39% of them (1971 against a typical 1976). Measured against all of Santa Cruz County, it is worth more than 68% 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 406 Bernal St, Aptos, CA?

The 2025 property tax bill for 406 Bernal St, Aptos, CA was $15,915. The county assessed it at $1,181,951.

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