Santa Cruz County property record for 146 Cortez St, Capitola, CA 95010
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,721 sqft · built 1968 |
| Lot Size | 0.146 acres (6,360 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $450,000 (Mar 2017) |
| Tax Bill | $6,967 (2025) |
| Deeds & Mortgages | May 2023 Mortgage Mar 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 036-222-10 |
| Primary APN | 036-222-10 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Building Area | 1,721 sqft Living Area |
| Gross Area | 2,162 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Construction Type | Wood |
| Roof Type | Sawtooth |
| Roof Material | Composition Shingle |
| Lot Area | 6,360 sqft (0.146 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 108 sqft |
| Patio Area | 108 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 146 CORTEZ ST |
|---|---|
| City | CAPITOLA |
| State | CA |
| Zip | 95010-2312 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TRACT 471 LOT 90 |
| Legal Subdivision | CLIFFWOOD HEIGHTS |
| Legal Tract | 471 |
| Legal Lot Number | 90 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 121801 |
Source: Santa Cruz County records, as of August 19, 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 | 146 CORTEZ ST, CAPITOLA, CA 95010-2312 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 18, 2023 | Deed of Trust, Mortgage · Commercial Mortgage ROBERT T DEACON IRA ACCOUNT NO 821305 |
| Mar 29, 2017 | Intrafamily Transfer, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 29, 2017 · Amount on Record |
| Deed Sale | Mar 29, 2017 · Amount on Record |
| Prior Sale | Aug 31, 1998 · Amount on Record |
| Deed Document Number | 201710602 |
| Prior Transfer Date | Oct 31, 2008 |
| Prior Transfer Doc | 0000047084 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 146 CORTEZ ST, CAPITOLA, CA 95010-2312 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2023 |
| Name | Verified Name |
|---|---|
| Address | 146 CORTEZ ST, CAPITOLA, CA 95010-2312 |
| Document Number | 0000008761 |
|---|---|
| Date | May 18, 2023 |
| Instrument | 2023-0008761 |
| Name | ROBERT T DEACON IRA ACCOUNT NO 821305 |
|---|---|
| Type | Non-Lending Institution |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 36 Months |
| Due | May 1, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Mar 29, 2017 |
| Property Address | 146 CORTEZ ST, CAPITOLA, CA 95010-2312 |
| Document Number | 0000010602 |
| Map Reference | VOL45 PG12 |
| Instrument Date | Mar 22, 2017 |
| Instrument | 2017-0010602 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 146 CORTEZ ST, CAPITOLA, CA 95010-2312 |
| Document Number | 0000010603 |
|---|---|
| Date | Mar 29, 2017 |
| Instrument | 2017-0010603 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2047 |
Source: Santa Cruz County assessment roll, as of August 19, 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $505,311 (+2%) Land $295,830 Building $209,481 | ||
| 2025 | $6,967.00 (+10.87%) Homeowner's exemption | $495,403 (+4.04%) Land $290,030 Building $205,373 | |
| 2023 | $6,284.00 (+1.55%) Homeowner's exemption | $476,165 Land $278,767 Building $197,398 | $1,210,500 |
| 2022 | $6,188.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 88% of California |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 333 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
May also be available: AT&T, Cruzio, Etheric Networks, Surfnet Communications, T-Mobile, Verizon, Xfinity.
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