1410 Prospect Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 1410 Prospect Ave, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,885 sqft · built 2024
Lot Size	0.047 acres (2,047 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,250,000 (Sep 2019)
Tax Bill	$36,055 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Nov 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`034-046-19`

Property Details

APN / Parcel Number

Primary APN	`034-046-19`
Alternative APN	`034-046-19-000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	9 Rooms
Building Area	2,885 sqft Living Area
Gross Area	3,153 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	2,047 sqft (0.047 acres)
View / Lot	Ocean
Garage Type	Attached
Garage Area	268 sqft
Parking Spaces	1 Parking Space
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1410 PROSPECT AVE
City	CAPITOLA
State	CA
Zip	95010-3845
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1013
Census Tract	121701

Owner

Source: Santa Cruz County records, as of September 2, 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 Record
Mailing Address	386 MONTEREY PL, LOS ALTOS, CA 94022-2656
Owner Type	Individual
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 25, 2019	Deed of Trust, Mortgage QUICKEN LNS
Sep 23, 2019	Affidavit of Death, Transfer FIRST AMERICAN TITLE
Sep 23, 2019	Grant Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2019 · Amount on Record
Deed Sale	Sep 23, 2019 · Amount on Record
Deed Document Number	201928605
Prior Transfer Date	Apr 13, 2012
Prior Transfer Doc	0000027257
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1410 PROSPECT AVE, CAPITOLA, CA 95010-3845
Transaction Type	Mortgage
Record Updated	Jan 12, 2022
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1410 PROSPECT AVE, CAPITOLA, CA 95010-3845

Mortgage

Document Number	0000061937
Date	Dec 27, 2021
Instrument	2021-0061937

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2037

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1410 PROSPECT AVE, CAPITOLA, CA 95010-3845
Document Number	0000037205
Instrument Date	Nov 25, 2019
Transaction Type	Mortgage
Record Updated	Dec 16, 2019
Title Company	SPL INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	386 MONTEREY PL LOS ALTOS CA 940222656, LOS ALTOS, CA 94022-2656

Mortgage

Document Number	0000037205
Date	Nov 27, 2019
Instrument	37205

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Nov 26, 2034

September 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 23, 2019
Property Address	1410 PROSPECT AVE, CAPITOLA, CA 95010-3845
Document Number	0000028604
Instrument Date	Sep 16, 2019
Instrument	28604
Transaction Type	Transfer
Record Updated	Oct 9, 2019
Title Company	FIRST AMERICAN TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1410 PROSPECT AVE CAPITOLA CA 950103845, CAPITOLA, CA 95010-3845

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 23, 2019
Property Address	1410 PROSPECT AVE, CAPITOLA, CA 95010-3845
Document Number	0000028605
Instrument Date	Sep 13, 2019
Instrument	28605
Transaction Type	Transfer
Record Updated	Oct 10, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$2,475.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	386 MONTEREY PL LOS ALTOS CA 940222656, LOS ALTOS, CA 94022-2656

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		$3,111,027 (+2%) Land $2,233,827 Building $877,200
2025	$36,055.00 (+39.03%)	$3,050,026 (+28.96%) Land $2,190,026 Building $860,000
2023	$25,933.00 (-2.83%)	$2,365,152 Land $2,104,985 Building $260,167	$2,250,540
2022	$26,689.00

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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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