1207 Windward Ln, Capitola, CA 95010 Property Records

Santa Cruz County property record for 1207 Windward Ln, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,665 sqft · built 1999
Lot Size	0.097 acres (4,225 sqft)
Owner	Individual Name on Record
Last Sale	$806,500 (Nov 2016)
Tax Bill	$12,049 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`034-611-07`

Property Details

APN / Parcel Number

Primary APN	`034-611-07`
Alternative APN	`034-611-07-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,665 sqft Living Area
Gross Area	2,104 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	4,225 sqft (0.097 acres)
Garage Type	Attached
Garage Area	439 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1207 WINDWARD LN
City	CAPITOLA
State	CA
Zip	95010-3936
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	WINDWARD COMMONS
Legal Lot Number	7
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2016
Census Tract	121702

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	Individual Name on Record
Mailing Address	1207 WINDWARD LN, CAPITOLA, CA 95010-3936
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
Feb 5, 2018	Quit Claim Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 18, 2016 · Amount on Record
Deed Sale	Nov 18, 2016 · Amount on Record
Prior Sale	Jul 14, 2003 · Amount on Record
Deed Document Number	201645459
Last Transfer Date	Nov 18, 2021
Transfer Doc	0000059812
Record Updated	Sep 20, 2026

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 9, 2021
Property Address	1207 WINDWARD LN, CAPITOLA, CA 95010-3936
Document Number	0000059627
Map Reference	VOL 94 PG 26
Instrument Date	Nov 18, 2021
Instrument	2021-0059627
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

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
Address	1207 WINDWARD LN, CAPITOLA, CA 95010-3936

Mortgage

Document Number	0000059628
Date	Dec 9, 2021
Instrument	2021-0059628

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1207 WINDWARD LN, CAPITOLA, CA 95010-3936
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	374 UNION AVE, CAMPBELL, CA 95008-4272

Mortgage

Document Number	0000047874
Date	Nov 13, 2020
Instrument	2020-0047874

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company
Address	LEWISVILLE, TX 75057

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 5, 2018
Property Address	1207 WINDWARD LN, CAPITOLA, CA 95010-3936
Document Number	0000003528
Instrument Date	Jan 19, 2018
Instrument	3528
Transaction Type	Transfer
Record Updated	Feb 26, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1207 WINDWARD LN CAPITOLA CA 950103936, CAPITOLA, CA 95010-3936

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		$954,733 (+2%) Land $572,840 Building $381,893
2025	$12,049.00 (+9.82%)	$936,013 (+4.04%) Land $561,608 Building $374,405
2023	$10,972.00 (+1.18%)	$899,666 Land $539,800 Building $359,866	$820,080
2022	$10,844.00

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	4 in force

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	SANTA CRUZ WATER DEPARTMENT serves 94,626 people · EPA ID CA4410010
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2022–2024) 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 892 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Cruzio Fixed Wireless	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, GeoLinks, Xfinity.

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