118 Cliff Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 118 Cliff Ave, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,532 sqft · built 1921
Lot Size	0.103 acres (4,487 sqft)
Owner	2 Trust Names on Record
Last Sale	$2,150,000 (Jul 2011)
Tax Bill	$33,238 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jan 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`036-112-23`

Property Details

APN / Parcel Number

Primary APN	`036-112-23`
Alternative APN	`036-112-23-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	1,532 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1921
Construction Type	Wood
Roof Material	Other
Lot Area	4,487 sqft (0.103 acres)
View / Lot	Ocean

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	118 CLIFF AVE
City	CAPITOLA
State	CA
Zip	95010-3408
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	CAMP CAPITOLA
Legal Lot Number	1
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 Trust Names on Record
Mailing Address	118 CLIFF AVE, CAPITOLA, CA 95010-3408
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Jan 24, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Mar 3, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Nov 29, 2018	Deed of Trust, Mortgage · Conventional Mortgage STEVENS DORIS Y TRUST (PT)
May 15, 2017	Deed of Trust, Mortgage STEVENS DORIS Y TRUST (PT)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2011 · Amount on Record
Deed Sale	Jul 29, 2011 · Amount on Record
Deed Document Number	201130415
Last Transfer Date	Feb 27, 2020
Transfer Doc	0000007523
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	105 FAIRVIEW AVE, CAPITOLA, CA 95010-3426
Transaction Type	Mortgage
Record Updated	Sep 5, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 CLIFF AVE, CAPITOLA, CA 95010-3408

Mortgage

Document Number	0000041351
Date	Aug 6, 2021
Instrument	2021-0041351

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	105 FAIRVIEW AVE, CAPITOLA, CA 95010-3426
Transaction Type	Mortgage
Record Updated	Sep 5, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 CLIFF AVE, CAPITOLA, CA 95010-3408

Mortgage

Document Number	0000001164
Date	Jan 24, 2023
Instrument	2023-0001164

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	FORT WORTH, TX 76155

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 3, 2020
Property Address	118 CLIFF AVE, CAPITOLA, CA 95010-3408
Document Number	0000007523
Instrument Date	Feb 27, 2020
Instrument	7523
Transaction Type	Transfer
Record Updated	Mar 23, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	118 CLIFF AVE CAPITOLA CA 950103408, CAPITOLA, CA 95010-3408

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	118 CLIFF AVE, CAPITOLA, CA 95010-3408
Document Number	0000001988
Instrument Date	Nov 29, 2018
Transaction Type	Mortgage
Record Updated	Feb 6, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 CLIFF AVE CAPITOLA CA 950103408, CAPITOLA, CA 95010-3408

Mortgage

Document Number	0000001988
Date	Jan 25, 2019
Instrument	1988

Lender

Name	STEVENS DORIS Y TRUST (PT)
Address	3424 W CARSON ST # 320, TORRANCE, CA 90503-5717

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	118 CLIFF AVE, CAPITOLA, CA 95010-3408
Document Number	0000016796
Instrument Date	May 15, 2017
Transaction Type	Mortgage
Record Updated	Jun 5, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 CLIFF AVE CAPITOLA CA 950103408, CAPITOLA, CA 95010-3408

Mortgage

Document Number	0000016796
Date	May 22, 2017
Instrument	16796

Lender

Name	STEVENS DORIS Y TRUST (PT)
Address	3424 W CARSON ST # 320, TORRANCE, CA 90503-5717

Agreement

Amount	Amount Recorded

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		$2,754,534 (+2%) Land $1,857,709 Building $896,825
2025	$33,238.00 (+6.93%)	$2,700,524 (+4.04%) Land $1,821,284 Building $879,240
2024	$31,083.00 (+2.13%)
2023	$30,434.00 (+1.05%)	$2,595,659 Land $1,750,561 Building $845,098	$3,441,780
2022	$30,118.00

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 AE, 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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