Santa Cruz County property record for 107 Oakland Ave, Capitola, CA 95010
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,101 sqft · built 1989 |
| Lot Size | 0.091 acres (3,964 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $10,504 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage May 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 036-132-20 |
| Primary APN | 036-132-20 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Building Area | 2,101 sqft Living Area |
| Gross Area | 2,633 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Construction Type | Wood |
| Roof Type | Sawtooth |
| Roof Material | Composition Shingle |
| Lot Area | 3,964 sqft (0.091 acres) |
| Garage Type | Attached |
| Garage Area | 532 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 60 sqft |
| Patio Area | 60 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 107 OAKLAND AVE |
|---|---|
| City | CAPITOLA |
| State | CA |
| Zip | 95010-3439 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | CAMP CAPITOLA |
| Legal Block | Q |
| Legal Lot Number | 26 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 121801 |
107 Oakland Ave is owner-occupied and held in a trust since June 2025.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 107 OAKLAND AVE, CAPITOLA, CA 95010-3439 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 9, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| May 31, 2018 | Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jun 12, 2025 |
| Transfer Doc | 0000016072 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 107 OAKLAND AVE, CAPITOLA, CA 95010-3439 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 107 OAKLAND AVE, CAPITOLA, CA 95010-3439 |
| Document Number | 0000053071 |
|---|---|
| Date | Dec 9, 2020 |
| Instrument | 2020-0053071 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 107 OAKLAND AVE, CAPITOLA, CA 95010-3439 |
| Document Number | 0000018543 |
| Instrument Date | May 31, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 3, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 107 OAKLAND AVE CAPITOLA CA 950103439, CAPITOLA, CA 95010-3439 |
| Document Number | 0000018543 |
|---|---|
| Date | Jun 18, 2018 |
| Instrument | 18543 |
| Name | BANK OF THE WEST |
|---|---|
| Type | Bank |
| Address | CAPITOLA, CA 95010 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 17, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 107 Oakland Ave was $10,504.
Source: Santa Cruz County assessment roll, as of August 19, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $815,943 (+2%) Land $458,445 Building $357,498 | ||
| 2025 | $10,504.00 | $799,944 Land $449,456 Building $350,488 | |
| 2023 | $9,547.00 (+1.24%) | $768,881 Land $432,003 Building $336,878 | $2,774,250 |
| 2022 | $9,430.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 107 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 risk around 107 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.
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 |
| 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.
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.
5G (outdoors only) and 4G LTE
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