1505 Prospect Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 1505 Prospect Ave, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,785 sqft · built 2005
Lot Size	0.073 acres (3,180 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (Jan 2004)
Tax Bill	$13,339 (2025)
Deeds & Mortgages	Mar 2021 Mortgage May 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`034-045-13`

Property Details

APN / Parcel Number

Primary APN	`034-045-13`
Alternative APN	`034-045-13-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	1,785 sqft Living Area
Gross Area	2,016 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	3,180 sqft (0.073 acres)
Garage Type	Attached
Garage 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	1505 PROSPECT AVE
City	CAPITOLA
State	CA
Zip	95010-3846
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	CAMP FAIRVIEW
Legal Lot Number	63
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1012
Census Tract	121701

Owner

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	1505 PROSPECT AVE, CAPITOLA, CA 95010-3846
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
May 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 26, 2017	Quit Claim Deed FIRST AMERICAN TITLE
Jul 25, 2017	Intrafamily Transfer, Transfer · ARM BAY FCU
Jul 28, 2017	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Jul 19, 2017	Deed of Trust, Mortgage BAY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2004 · Amount on Record
Deed Sale	Jan 15, 2004 · Amount on Record
Deed Document Number	20043007
Last Transfer Date	Jul 20, 2017
Transfer Doc	0000024783
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1505 PROSPECT AVE, CAPITOLA, CA 95010-3846
Transaction Type	Mortgage
Record Updated	Apr 2, 2021
Title Company	TITLE CONNECT TSG, TITLE CONNECT SIM

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1505 PROSPECT AVE, CAPITOLA, CA 95010-3846

Mortgage

Document Number	0000015089
Date	Mar 15, 2021
Instrument	2021-0015089

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1505 PROSPECT AVE, CAPITOLA, CA 95010-3846
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FATC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018440
Date	May 29, 2020
Instrument	2020-0018440

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

July 2017: Quit Claim Deed

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 26, 2017
Property Address	1505 PROSPECT AVE, CAPITOLA, CA 95010-3846
Document Number	0000024487
Instrument Date	Jul 20, 2017
Instrument	24487
Record Updated	Aug 15, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1505 PROSPECT AVE CAPITOLA CA 950103846, CAPITOLA, CA 95010-3846

July 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 25, 2017
Property Address	1505 PROSPECT AVE, CAPITOLA, CA 95010-3846
Document Number	0000024278
Map Reference	MB5 PG25
Instrument Date	Jul 20, 2017
Instrument	2017-0024278
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

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	Joint Tenants
Address	1505 PROSPECT AVE, CAPITOLA, CA 95010-3846

Mortgage

Document Number	0000024279
Date	Jul 25, 2017
Instrument	2017-0024279

Lender

Name	BAY FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	358 Months
Due	May 2, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Aug 1, 2024
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	8.37%
Index	1-Year LIBOR
Max Rate	8.37%

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 28, 2017
Property Address	1505 PROSPECT AVE, CAPITOLA, CA 95010-3846
Document Number	0000024783
Instrument Date	Jul 20, 2017
Instrument	24783
Transaction Type	Transfer
Record Updated	Aug 15, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1505 PROSPEDT AVE CAPITOLA CA 95010, CAPITOLA, CA 95010

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1505 PROSPECT AVE, CAPITOLA, CA 95010-3846
Document Number	0000024488
Instrument Date	Jul 19, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1505 PROSPECT AVE CAPITOLA CA 950103846, CAPITOLA, CA 95010-3846

Mortgage

Document Number	0000024488
Date	Jul 26, 2017
Instrument	24488

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 25, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.37%

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		$1,077,732 (+2%) Land $637,255 Building $440,477
2025	$13,339.00 (+9.71%) Homeowner's exemption	$1,056,599 (+4.04%) Land $624,759 Building $431,840
2023	$12,158.00 (+1.15%) Homeowner's exemption	$1,015,570 Land $600,499 Building $415,071	$2,058,840
2022	$12,020.00

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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