110 Grove Ln, Capitola, CA 95010 Property Records

Santa Cruz County property record for 110 Grove Ln, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,763 sqft · built 2010
Lot Size	0.209 acres (9,104 sqft)
Owner	Company Name on File
Tax Bill	$9,524 (2025)
Deeds & Mortgages	Jan 2025 Mortgage Jul 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`036-161-10`

Property Details

APN / Parcel Number

Primary APN	`036-161-10`
Alternative APN	`036-161-10-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	3,763 sqft Living Area
Gross Area	4,305 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2012
Construction Type	Wood
Roof Material	Tile
Lot Area	9,104 sqft (0.209 acres)
View / Lot	Ocean
Garage Type	Attached
Garage Area	542 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	110 GROVE LN
City	CAPITOLA
State	CA
Zip	95010-3434
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	SOQUEL RHO
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2000
Census Tract	121801

Owner

Source: Santa Cruz County assessment roll, 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	Company Name on File
Mailing Address	11201 N TATUM BLVD, PHOENIX, AZ 85028-6036
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2025	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Jul 19, 2017	Deed of Trust, Mortgage · ARM FIRST REPUBLIC BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 7, 2008
Deed Sale	Jan 7, 2008
Deed Document Number	2008512
Last Transfer Date	Nov 19, 2009
Transfer Doc	0000056325
Record Updated	Sep 20, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	110 GROVE LN, CAPITOLA, CA 95010-3434
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	BOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11201 N TATUM BLVD 300, 300, PHOENIX, AZ 85028-6039

Mortgage

Document Number	0000001470
Date	Jan 27, 2025
Instrument	2025-0001470

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.7%
Type Change Date	Feb 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.7%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.7%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	110 GROVE LN, CAPITOLA, CA 95010-3434
Transaction Type	Mortgage
Record Updated	Mar 22, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023588
Date	Jul 19, 2017
Instrument	2017-0023588

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.8%
Type Change Date	Aug 1, 2024
Change Frequency	Monthly
Index	1-Month LIBOR
Max Rate	9.95%

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		$727,865 (+2%) Land $45,826 Building $682,039
2025	$9,524.00 (+10.18%)	$713,594 (+4.04%) Land $44,928 Building $668,666
2023	$8,644.00 (+1.31%)	$685,884 Land $43,183 Building $642,701	$4,524,390
2022	$8,532.00

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 100 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

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: California Internet, Cruzio Internet.

Cell Coverage

5G (outdoors only) and 4G LTE

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