109 Central Ave, #A, Capitola, CA 95010 Property Records

Santa Cruz County property record for 109 Central Ave, #A, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,896 sqft · built 1910
Lot Size	0.098 acres (4,269 sqft)
Owner	2 Individual Names on Record
Last Sale	$3,700,000 (Aug 2022)
Tax Bill	$47,130 (2025)
Deeds & Mortgages	Sep 2022 Transfer Aug 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`036-112-09`

Property Details

APN / Parcel Number

Primary APN	`036-112-09`
Alternative APN	`036-112-09-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Building Area	1,896 sqft Living Area

Exterior

Year Built	Built 1910
Effective Year Built	Effective 2000
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	4,269 sqft (0.098 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	109 CENTRAL AVE
City	CAPITOLA
State	CA
Zip	95010-3404
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	CAPITOLA
Legal Block	M
Legal Lot Number	3
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2010
Census Tract	121801

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1825 BELL ST, 100, SACRAMENTO, CA 95825-1020
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2022	Correction Deed STEWART TITLE OF CA INC
Aug 29, 2022	Grant Deed, Transfer STEWART TITLE OF CA INC
Oct 1, 2018	Deed of Trust, Mortgage · Line of Credit SF FIRE CU
Oct 1, 2018	Deed of Trust, Mortgage · Conventional Mortgage SF FIRE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2022 · Amount on Record
Deed Sale	Aug 29, 2022 · Amount on Record
Prior Sale	Apr 15, 2005 · Amount on Record
Deed Document Number	202224507
Last Transfer Date	Aug 31, 2022
Transfer Doc	0000025597
Record Updated	Sep 20, 2026

September 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 12, 2022
Property Address	109 CENTRAL AVE, CAPITOLA, CA 95010-3404
Document Number	0000025597
Instrument Date	Aug 31, 2022
Instrument	2022-0025597
Record Updated	Jun 7, 2023
Title Company	STEWART TITLE OF CA INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	1825 BELL ST STE 100, 100, SACRAMENTO, CA 95825-1020

August 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 29, 2022
Property Address	109 CENTRAL AVE, CAPITOLA, CA 95010-3404
Document Number	0000024507
Instrument Date	Aug 24, 2022
Instrument	2022-0024507
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	STEWART TITLE OF CA INC

Transaction

Amount	Amount Recorded
Tax	$4,070.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	1825 BELL ST STE 100, 100, SACRAMENTO, CA 95825-1020

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	109 CENTRAL AVE, CAPITOLA, CA 95010-3404
Document Number	0000030510
Instrument Date	Oct 1, 2018
Transaction Type	Mortgage
Record Updated	Oct 29, 2018
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	109 CENTRAL AVE CAPITOLA CA 950103404, CAPITOLA, CA 95010-3404

Mortgage

Document Number	0000030510
Date	Oct 9, 2018
Instrument	30510

Lender

Name	SF FIRE CU
Address	SAN FRANCISCO, CA 94118

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	109 CENTRAL AVE, CAPITOLA, CA 95010-3404
Document Number	0000030509
Instrument Date	Oct 1, 2018
Transaction Type	Mortgage
Record Updated	Nov 22, 2018
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	109 CENTRAL AVE CAPITOLA CA 950103404, CAPITOLA, CA 95010-3404

Mortgage

Document Number	0000030509
Date	Oct 9, 2018
Instrument	30509

Lender

Name	SF FIRE CU
Address	SAN FRANCISCO, CA 94118

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 8, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.27%

Tax Assessment & Valuation

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		$4,016,985 (+2%) Land $3,416,674 Building $600,311
2025	$47,130.00 (+13.66%)	$3,938,220 (+6.44%) Land $3,349,680 Building $588,540
2023	$41,466.00 (+198.32%)	$3,700,000 Land $3,200,000 Building $500,000	$3,253,410
2022	$13,900.00

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

Flood

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 Record 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

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

Wildfire Risk	Not rated no burnable land within 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 822 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Surfnet Communications Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Cruzio, GeoLinks, Xfinity.

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