1540 Prospect Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 1540 Prospect Ave, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,797 sqft · built 1931
Lot Size	0.11 acres (4,792 sqft)
Owner	Company Name on Record
Last Sale	$4,000,000 (May 2025)
Tax Bill	$3,534 (2025)
Deeds & Mortgages	Apr 2018 Reverse Mortgage Apr 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`034-046-04`

Property Details

APN / Parcel Number

Primary APN	`034-046-04`
Alternative APN	`034-046-04-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Building Area	2,797 sqft Living Area
Gross Area	3,157 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1931
Effective Year Built	Effective 1985
Architectural Style	Duplex Single
Construction Type	Wood
Roof Material	Other
Lot Area	4,792 sqft (0.11 acres)
View / Lot	Ocean
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1540 PROSPECT AVE
City	CAPITOLA
State	CA
Zip	95010-3847
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	THE SUBDIVISIONS OF CAMP FAIR VIEW
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 August 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	PO BOX 91, HUGHSON, CA 95326-0091
Owner Type	Company
Vesting	Limited Partnership

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2018	Deed of Trust, Mortgage · Reverse Mortgage SYNERGY ONE LENDING
Apr 5, 2018	Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER
Mar 23, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Nov 27, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 12, 2025 · Amount on Record
Deed Sale	May 12, 2025 · Amount on Record
Deed Document Number	20259588
Prior Transfer Date	Nov 18, 2017
Prior Transfer Doc	0000039631
Record Updated	Sep 20, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1540 PROSPECT AVE, CAPITOLA, CA 95010-3847
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	PLACER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011038
Date	Apr 13, 2018
Instrument	2018-0011038

Lender

Name	SYNERGY ONE LENDING
Type	Lending Institution
Address	SAN DIEGO, CA 92108

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.16%
Type Change Date	May 1, 2019
Change Frequency	Annually
Index	1-Year LIBOR

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1540 PROSPECT AVE, CAPITOLA, CA 95010-3847
Document Number	0000011039
Instrument Date	Apr 5, 2018
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1540 PROSPECT AVE CAPITOLA CA 950103847, CAPITOLA, CA 95010-3847

Mortgage

Document Number	0000011039
Date	Apr 13, 2018
Instrument	11039

Lender

Name	FEDERAL HSNG COMMISSIONER
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.16%

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 23, 2018
Property Address	1540 PROSPECT AVE, CAPITOLA, CA 95010-3847
Document Number	0000008749
Instrument Date	Mar 13, 2018
Instrument	8749
Transaction Type	Transfer
Record Updated	Apr 2, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2880 SOQUEL AVE #6 SANTA CRUZ CA 950621423, 6, SANTA CRUZ, CA 95062-1423

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 27, 2017
Property Address	1540 PROSPECT AVE, CAPITOLA, CA 95010-3847
Document Number	0000039631
Instrument Date	Nov 18, 2017
Instrument	39631
Transaction Type	Transfer
Record Updated	Jan 3, 2018
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
Address	PO BOX 3548 SANTA CRUZ CA 950633548, SANTA CRUZ, CA 95063-3548

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
2026		$4,080,000 (+3,640.61%) Land $3,774,000 Building $306,000
2025	$3,534.00 (+14.48%)	$109,073 (+4.04%) Land $57,821 Building $51,252
2023	$3,087.00 (+3.56%)	$104,838 Land $55,576 Building $49,262
2022	$2,981.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective July 10, 2019

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, 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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Prospect Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures