1455 45th Ave, Apt 3, Capitola, CA 95010 Property Records

Santa Cruz County property record for 1455 45th Ave, Apt 3, Capitola, CA 95010

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 890 sqft · built 1972
Lot Size	0.011 acres (479 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (May 2018)
Tax Bill	$7,062 (2025)
Deeds & Mortgages	Nov 2021 Transfer Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`034-622-31`

Property Details

APN / Parcel Number

Primary APN	`034-622-31`
Alternative APN	`034-622-31-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	890 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	479 sqft (0.011 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	1455 45TH AVE, 3
City	CAPITOLA
State	CA
Zip	95010-3150
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Subdivision	CAPITOLA SHORES
Legal Lot Number	39
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1020
Census Tract	121701

Owner

1455 45th Ave, Apt 3 is owned by two individuals who acquired it in October 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	328 LOYOLA DR, APTOS, CA 95003-5228
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
Nov 17, 2021	Intrafamily Transfer, Transfer
Oct 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Jan 15, 2020	Deed of Trust, Mortgage · Construction Mortgage DISCOVER BANK
May 18, 2018	Grant Deed, Transfer · ARM BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2018 · Amount on File
Deed Sale	May 18, 2018 · Amount on File
Prior Sale	Aug 20, 1998 · Amount on File
Deed Document Number	201815016
Last Transfer Date	Oct 25, 2021
Transfer Doc	0000056766
Record Updated	Sep 20, 2026

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 17, 2021
Property Address	1455 45TH AVE APT 3, 3, CAPITOLA, CA 95010-3150
Document Number	0000056766
Map Reference	VOL 53 PG 16
Instrument Date	Oct 25, 2021
Instrument	2021-0056766
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	Living Trust
Address	328 LOYOLA DR, APTOS, CA 95003-5228

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1455 45TH AVE APT 3, 3, CAPITOLA, CA 95010-3150
Transaction Type	Mortgage
Record Updated	Oct 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	328 LOYOLA DR, APTOS, CA 95003-5228

Mortgage

Document Number	0000050563
Date	Oct 6, 2021
Instrument	2021-0050563

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1455 45TH AVE APT 3, 3, CAPITOLA, CA 95010-3150
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001639
Date	Jan 15, 2020
Instrument	2020-0001639

Lender

Name	DISCOVER BANK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	236 Months
Due	Sep 19, 2039

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 18, 2018
Property Address	1455 45TH AVE APT 3, 3, CAPITOLA, CA 95010-3150
Document Number	0000015016
Map Reference	VOL 53 PG 16
Instrument Date	May 16, 2018
Instrument	2018-0015016
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
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	362 CLOVERDALE LN, CAMPBELL, CA 95008-1702

Mortgage

Document Number	0000015017
Date	May 18, 2018
Instrument	2018-0015017

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Jun 12, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.37%
Index	1-Year LIBOR
Max Rate	9.37%

Tax Assessment & Valuation

The 2025 property tax bill for 1455 45th Ave, Apt 3 was $7,062.

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		$522,264 (+2%) Land $365,585 Building $156,679
2025	$7,062.00	$512,023 Land $358,416 Building $153,607
2023	$6,389.00 (+1.4%)	$492,141 Land $344,499 Building $147,642	$533,070
2022	$6,301.00

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

Flood

FEMA maps place 1455 45th Ave, Apt 3 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 1455 45th Ave, Apt 3 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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