Santa Cruz County property record for 122 Central Ave, Capitola, CA 95010 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 2,646 sqft · built 1950 |
| Lot Size | 0.112 acres (4,879 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,063 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Nov 2025 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 036-122-12 |
| Primary APN | 036-122-12 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Building Area | 2,646 sqft Living Area |
| Gross Area | 2,866 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1985 |
| Construction Type | Wood |
| Roof Material | Wood Shingle |
| Lot Area | 4,879 sqft (0.112 acres) |
| Garage Type | Attached |
| Garage Area | 220 sqft |
| Parking Spaces | 1 Parking Space |
| Total Buildings | 2 Buildings |
| Heating System | HVAC |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 122 CENTRAL AVE |
|---|---|
| City | CAPITOLA |
| State | CA |
| Zip | 95010-3461 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | CAPITOLA |
| Legal Lot Number | 19,20 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 121801 |
Source: Santa Cruz County records · APN 036-122-12
Assessment roll updated August 19, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 122 CENTRAL AVE, CAPITOLA, CA 95010-3461 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
| Date | Document |
|---|---|
| Dec 10, 2025 | Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC |
| Nov 12, 2025 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Apr 30, 2024 | Intrafamily Transfer, Transfer |
| Dec 20, 2022 | Deed of Trust, Mortgage · Reverse Mortgage HIGHTECHLENDING INC |
| May 15, 2020 | Deed of Trust, Mortgage · FHA Mortgage HIGHTECHLENDING |
| May 15, 2020 | Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER |
| Jan 29, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Apr 23, 2024 |
| Transfer Doc | 0000008018 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 122 CENTRAL AVE, CAPITOLA, CA 95010-3461 |
| Transaction Type | Mortgage |
| Record Updated | Dec 25, 2025 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 122 CENTRAL AVE, CAPITOLA, CA 95010-3461 |
| Document Number | 0000026540 |
|---|---|
| Date | Dec 10, 2025 |
| Instrument | 2025-0026540 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | LIMA, OH 45801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 122 CENTRAL AVE, CAPITOLA, CA 95010-3461 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2025 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 122 CENTRAL AVE, CAPITOLA, CA 95010-3461 |
| Document Number | 0000024219 |
|---|---|
| Date | Nov 12, 2025 |
| Instrument | 2025-0024219 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2055 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Apr 30, 2024 |
| Property Address | 122 CENTRAL AVE, CAPITOLA, CA 95010-3461 |
| Document Number | 0000008019 |
| Instrument Date | Apr 30, 2024 |
| Instrument | 2024-0008019 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 122 CENTRAL AVE, CAPITOLA, CA 95010-3461 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 122 CENTRAL AVE, CAPITOLA, CA 95010-3461 |
| Transaction Type | Mortgage |
| Record Updated | Jan 03, 2023 |
| Name | Verified Name |
|---|---|
| Address | 122 CENTRAL AVE, CAPITOLA, CA 95010-3461 |
| Document Number | 0000033357 |
|---|---|
| Date | Dec 20, 2022 |
| Instrument | 2022-0033357 |
| Name | HIGHTECHLENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92614 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 898 Months |
| Due | Oct 29, 2097 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 122 CENTRAL AVE, CAPITOLA, CA 95010-3461 |
| Document Number | 0000017378 |
| Instrument Date | May 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 08, 2020 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO |
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 122 CENTRAL AVE CAPITOLA CA 950103461, CAPITOLA, CA 95010-3461 |
| Document Number | 0000017378 |
|---|---|
| Date | May 21, 2020 |
| Instrument | 17378 |
| Name | HIGHTECHLENDING |
|---|---|
| Address | 2030 MAIN ST # 350, IRVINE, CA 92614-7248 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.01% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 122 CENTRAL AVE, CAPITOLA, CA 95010-3461 |
| Document Number | 0000017379 |
| Instrument Date | May 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 08, 2020 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE ORANGE CN |
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 122 CENTRAL AVE CAPITOLA CA 950103461, CAPITOLA, CA 95010-3461 |
| Document Number | 0000017379 |
|---|---|
| Date | May 21, 2020 |
| Instrument | 17379 |
| Name | FEDERAL HSNG COMMISSIONER |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.01% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Jan 29, 2020 |
| Property Address | 122 CENTRAL AVE, CAPITOLA, CA 95010-3461 |
| Document Number | 0000003481 |
| Instrument Date | Jan 29, 2020 |
| Instrument | 3481 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 122 CENTRAL AVE CAPITOLA CA 950103461, CAPITOLA, CA 95010-3461 |
Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 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) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $699,564 (+383.57%) Land $497,581 Building $201,983 | ||
| 2025 | $3,063.00 (+17.22%) | $144,667 (+4.04%) Land $40,832 Building $103,835 | |
| 2023 | $2,613.00 (+2.75%) Homeowner's exemption | $139,048 Land $39,246 Building $99,802 | $3,090,240 |
| 2022 | $2,543.00 |
Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060871218012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 24 individual NFIP policies nearby |
| Nearby Flood Policies | 40 units insured (16 under condo master policies) 3 of 24 individual policies on primary residences |
| Nearby Flood Claims | 1 (2011) |
| Most Recent Claim | Mar 2011, river or lake flooding |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
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