1405 45th Ave, Apt 4, Capitola, CA 95010 Property Records

Santa Cruz County property record for 1405 45th Ave, Apt 4, Capitola, CA 95010

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 925 sqft · built 1972
Lot Size	0.023 acres (1,002 sqft)
Owner	Individual Name on File
Last Sale	$430,000 (Jul 2017)
Tax Bill	$6,724 (2025)
Deeds & Mortgages	Apr 2023 Transfer Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`034-622-20`

Property Details

APN / Parcel Number

Primary APN	`034-622-20`
Alternative APN	`034-622-20-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	925 sqft Living Area

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Condo/Apartment
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	1,002 sqft (0.023 acres)
Garage Type	Carport
Garage Area	231 sqft
Carport	Carport
Carport Area	231 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1405 45TH AVE, 4
City	CAPITOLA
State	CA
Zip	95010-3147
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Subdivision	CAPITOLA SHORES
Legal Lot Number	36
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1020
Census Tract	121701

Owner

1405 45th Ave, Apt 4 is owned and occupied by an individual who bought it in July 2017.

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

Owner of Record	Individual Name on File
Mailing Address	1405 45TH AVE, 4, CAPITOLA, CA 95010-3147
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2023	Intrafamily Transfer, Transfer
Aug 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage CELEBRITY HOME LOANS LLC
Dec 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST CHOICE LN SVCS
Jul 14, 2017	Grant Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 14, 2017 · Amount on File
Deed Sale	Jul 14, 2017 · Amount on File
Prior Sale	Oct 6, 2006 · Amount on File
Deed Document Number	201723125
Prior Transfer Date	Nov 21, 1997
Prior Transfer Doc	0000056926
Record Updated	Oct 29, 2026

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 3, 2023
Property Address	1405 45TH AVE APT 4, 4, CAPITOLA, CA 95010-3147
Document Number	0000005711
Map Reference	VOL 53 PG 16
Instrument Date	Mar 28, 2023
Instrument	2023-0005711
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Relationship	Revocable Trust
Address	1405 45TH AVE APT 4, 4, CAPITOLA, CA 95010-3147

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1405 45TH AVE APT 4, 4, CAPITOLA, CA 95010-3147
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PREMIUM TITLE OF CALIFORNIA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029175
Date	Aug 4, 2020
Instrument	2020-0029175

Lender

Name	CELEBRITY HOME LOANS LLC
Type	Non-Lending Institution
Address	VILLA PARK, IL 60181

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1405 45TH AVE APT 4, 4, CAPITOLA, CA 95010-3147
Document Number	0000039992
Instrument Date	Dec 12, 2019
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	NATIONWIDE TITLE CLEARING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1405 45TH AVE #4 CAPITOLA CA 950103147, 4, CAPITOLA, CA 95010-3147

Mortgage

Document Number	0000039992
Date	Dec 18, 2019
Instrument	39992

Lender

Name	FIRST CHOICE LN SVCS
Type	Funding / Finance Company
Address	EAST BRUNSWICK, NJ 08816

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 17, 2049

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 14, 2017
Property Address	1405 45TH AVE APT 4, 4, CAPITOLA, CA 95010-3147
Document Number	0000023125
Map Reference	VOL53 PG16
Instrument Date	Jul 11, 2017
Instrument	2017-0023125
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	1405 45TH AVE APT 4, 4, CAPITOLA, CA 95010-3147

Mortgage

Document Number	0000023126
Date	Jul 14, 2017
Instrument	2017-0023126

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1405 45th Ave, Apt 4 was $6,724 with a homeowner's exemption.

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		$499,052 (+2%) Land $324,384 Building $174,668
2025	$6,724.00 Homeowner's exemption	$489,266 Land $318,023 Building $171,243
2023	$6,074.00 (+1.45%) Homeowner's exemption	$470,268 Land $305,674 Building $164,594	$535,140
2022	$5,987.00

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

Flood

FEMA maps place 1405 45th Ave, Apt 4 in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 10, 2019

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 1405 45th Ave, Apt 4 has no burnable land within ember reach, so its wildfire risk is not rated.

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 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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