1580 45th Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 1580 45th Ave, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,027 sqft · built 1960
Lot Size	0.072 acres (3,136 sqft)
Owner	Individual Name on Record
Last Sale	$580,000 (Aug 2013)
Tax Bill	$9,415 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Mar 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`034-032-01`

Property Details

APN / Parcel Number

Primary APN	`034-032-01`
Alternative APN	`034-032-01-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Building Area	1,027 sqft Living Area
Gross Area	1,352 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Bungalow
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	3,136 sqft (0.072 acres)
Garage Type	Attached
Garage Area	325 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1580 45TH AVE
City	CAPITOLA
State	CA
Zip	95010-3859
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	OPAL SUB #1/FAIRVIEW TR
Legal Lot Number	1
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1009
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	Individual Name on Record
Mailing Address	1580 45TH AVE, CAPITOLA, CA 95010-3859
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2025	Deed of Trust, Mortgage · Line of Credit FREMONT BANK
Mar 27, 2017	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Dec 28, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2013 · Amount on Record
Deed Sale	Aug 30, 2013 · Amount on Record
Prior Sale	Jan 10, 2005 · Amount on Record
Deed Document Number	201343577
Last Transfer Date	Dec 19, 2020
Transfer Doc	0000056617
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1580 45TH AVE, CAPITOLA, CA 95010-3859
Transaction Type	Mortgage
Record Updated	Dec 11, 2025
Title Company	MEMBERS TITLE COMPANY/CA INC, MEMBERS TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1580 45TH AVE, CAPITOLA, CA 95010-3859

Mortgage

Document Number	0000025205
Date	Nov 24, 2025
Instrument	2025-0025205

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1580 45TH AVE, CAPITOLA, CA 95010-3859
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010209
Date	Mar 27, 2017
Instrument	2017-0010209

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Apr 16, 2047

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 28, 2020
Property Address	1580 45TH AVE, CAPITOLA, CA 95010-3859
Document Number	0000056617
Map Reference	MB 18 PG 40
Instrument Date	Dec 19, 2020
Instrument	2020-0056617
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC 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
Address	1580 45TH AVE, CAPITOLA, CA 95010-3859

Mortgage

Document Number	0000056618
Date	Dec 28, 2020
Instrument	2020-0056618

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

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

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		$725,221 (+2%) Land $435,133 Building $290,088
2025	$9,415.00 (+10.25%) Homeowner's exemption	$711,001 (+4.04%) Land $426,601 Building $284,400
2023	$8,540.00 (+1.33%) Homeowner's exemption	$683,392 Land $410,035 Building $273,357	$874,440
2022	$8,428.00

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
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 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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