1420 Prospect Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 1420 Prospect Ave, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,717 sqft · built 1919
Lot Size	0.052 acres (2,265 sqft)
Owner	Individual Name on Record
Last Sale	$1,850,000 (Dec 2005)
Tax Bill	$31,044 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Jan 2022 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`034-046-18`

Property Details

APN / Parcel Number

Primary APN	`034-046-18`
Alternative APN	`034-046-18-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,717 sqft Living Area
Gross Area	1,917 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1919
Effective Year Built	Effective 2007
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	2,265 sqft (0.052 acres)
View / Lot	Ocean
Garage Type	Attached
Garage Area	200 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1420 PROSPECT AVE
City	CAPITOLA
State	CA
Zip	95010-3845
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	CAMP FAIRVIEW
Legal Lot Number	D
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 15, 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	155 E CAMPBELL AVE, 101, CAMPBELL, CA 95008-2049
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2026	Deed of Trust, Mortgage · Line of Credit HIGHTECHLENDING INC
Jan 12, 2022	Intrafamily Transfer, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO
Jan 12, 2022	Intrafamily Transfer, Transfer ACCOMMODATION
Jan 12, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 14, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 2005 · Amount on Record
Deed Sale	Dec 6, 2005 · Amount on Record
Deed Document Number	200584573
Last Transfer Date	Jan 5, 2022
Transfer Doc	0000001207
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 2, 2026
Property Address	1420 PROSPECT AVE, CAPITOLA, CA 95010-3845
Document Number	0000019780
Instrument Date	Aug 27, 2026
Instrument	202619780
Transaction Type	Mortgage
Record Updated	Sep 15, 2026
Title Company	ATLAS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust, 212
Address	1420 PROSPECT AVE, CAPITOLA, CA 95010-3845

Mortgage

Document Number	0000019780,
Date	Sep 2, 2026
Instrument	202619780

Lender

Name	HIGHTECHLENDING INC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Oct 1, 2066

Interest

Max Rate	-1%

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 12, 2022
Property Address	1420 PROSPECT AVE, CAPITOLA, CA 95010-3845
Document Number	0000001207
Map Reference	MB 5 PG 25
Instrument Date	Jan 5, 2022
Instrument	2022-0001207
Transaction Type	Transfer
Record Updated	Jan 26, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

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	1420 PROSPECT AVE, CAPITOLA, CA 95010-3845

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 12, 2022
Property Address	1420 PROSPECT AVE, CAPITOLA, CA 95010-3845
Document Number	0000001210
Map Reference	MB 5 PG 25
Instrument Date	Dec 20, 2021
Instrument	2022-0001210
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

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	1420 PROSPECT AVE, CAPITOLA, CA 95010-3845

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 12, 2022
Property Address	1420 PROSPECT AVE, CAPITOLA, CA 95010-3845
Document Number	0000001208
Map Reference	MB 5 PG 25
Instrument Date	Dec 20, 2021
Instrument	2022-0001208
Transaction Type	Transfer
Record Updated	Jan 26, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

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	1420 PROSPECT AVE, CAPITOLA, CA 95010-3845

Mortgage

Document Number	0000001209
Date	Jan 12, 2022
Instrument	2022-0001209

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 14, 2020
Property Address	1420 PROSPECT AVE, CAPITOLA, CA 95010-3845
Document Number	0000036018
Instrument Date	Aug 25, 2020
Instrument	36018
Transaction Type	Transfer
Record Updated	Oct 7, 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	155 E CAMPBELL AVE #101 CAMPBELL CA 950082049, 101, CAMPBELL, CA 95008-2049

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		$2,660,940 (+2%) Land $2,157,788 Building $503,152
2025	$31,044.00 (+9%)	$2,608,766 (+4.04%) Land $2,115,479 Building $493,287
2023	$28,480.00 (+0.89%)	$2,507,464 Land $2,033,332 Building $474,132	$2,082,690
2022	$28,228.00

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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