104 Oakland Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 104 Oakland Ave, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 480 sqft · built 1910
Lot Size	0.044 acres (1,917 sqft)
Owner	Trust Name on File
Last Sale	$531,200 (Nov 2015)
Tax Bill	$10,427 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2024 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`036-133-10`

Property Details

APN / Parcel Number

Primary APN	`036-133-10`
Alternative APN	`036-133-10-000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Building Area	480 sqft Living Area
Gross Area	680 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1950
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	1,917 sqft (0.044 acres)
Garage Type	Attached
Garage Area	200 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	104 OAKLAND AVE
City	CAPITOLA
State	CA
Zip	95010-3440
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	CAPITOLA
Legal Block	Y
Legal Lot Number	27
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2007
Census Tract	121801

Owner

104 Oakland Ave is held in a trust since April 2024.

Source: Santa Cruz County records, as of August 19, 2026

Owner of Record	Trust Name on File
Mailing Address	5190 NEWANGA AVE, SANTA ROSA, CA 95405-7425
Owner Type	Individual
Vesting	Trust, Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage EVERETT FINANCIAL INC
Apr 24, 2024	Intrafamily Transfer, Transfer · Line of Credit EXCHANGE BANK
Mar 15, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2015 · Amount on File
Deed Sale	Nov 20, 2015 · Amount on File
Prior Sale	Feb 26, 2010 · Amount on File
Deed Document Number	201546598
Last Transfer Date	Apr 16, 2024
Transfer Doc	0000007621
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 1, 2026
Property Address	104 OAKLAND AVE, CAPITOLA, CA 95010-3440
Document Number	0000007032
Instrument Date	Mar 26, 2026
Instrument	20267032
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust, 165
Address	104 OAKLAND AVE, CAPITOLA, CA 95010-3440

Mortgage

Document Number	0000007032,
Date	Apr 1, 2026
Instrument	20267032

Lender

Name	EVERETT FINANCIAL INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

April 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 24, 2024
Property Address	104 OAKLAND AVE, CAPITOLA, CA 95010-3440
Document Number	0000007621
Map Reference	VOL 5 PG 63
Instrument Date	Apr 16, 2024
Instrument	2024-0007621
Transaction Type	Transfer
Record Updated	May 7, 2024
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

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
Relationship	Revocable Trust
Address	104 OAKLAND AVE, CAPITOLA, CA 95010-3440

Mortgage

Document Number	0000007622
Date	Apr 24, 2024
Instrument	2024-0007622

Lender

Name	EXCHANGE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 15, 2019
Property Address	104 OAKLAND AVE, CAPITOLA, CA 95010-3440
Document Number	0000006647
Instrument Date	Mar 15, 2019
Instrument	6647
Transaction Type	Transfer
Record Updated	Mar 28, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	104 OAKLAND AVE CAPITOLA CA 950103440, CAPITOLA, CA 95010-3440

Tax Assessment & Valuation

The 2025 property tax bill for 104 Oakland Ave was $10,427, up 7.5% from the year before.

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Municipality	Capitola City
Secondary School District	Santa Cruz City High School District (9-12) (09 - 12)
Elementary School District	Soquel Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$809,007 (+2%) Land $754,671 Building $54,336
2025	$10,427.00 (+7.52%)	$793,145 Land $739,874 Building $53,271
2024	$9,698.00 (+2.34%)
2023	$9,476.00 (+1.25%)	$762,345 Land $711,143 Building $51,202	$1,191,600
2022	$9,359.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 104 Oakland Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 24 individual policies
Nearby Flood Policies	40 units insured incl. 16 condo units
Nearby Flood Claims	1 (2011)
Most Recent Claim	Mar 2011 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 104 Oakland Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SOQUEL CREEK WATER DISTRICT serves 40,962 people · EPA ID CA4410017
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 201 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Cruzio, GeoLinks.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Oakland Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures