Santa Cruz County property record for 1605 38th Ave, Capitola, CA 95010
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,298 sqft · built 1962 |
| Lot Size | 0.141 acres (6,142 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $808,000 (Jan 2023) |
| Tax Bill | $15,240 (2025) |
| Deeds & Mortgages | Feb 2024 Second Mortgage Jan 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 034-181-04 |
| Primary APN | 034-181-04 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Building Area | 2,298 sqft Living Area |
| Gross Area | 3,001 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 2010 |
| Construction Type | Wood |
| Roof Material | Other |
| Lot Area | 6,142 sqft (0.141 acres) |
| Garage Type | Attached |
| Garage Area | 487 sqft |
| Parking Spaces | 2 Parking Spaces |
| Total Buildings | 3 Buildings |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Floor/Wall Furnace |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1605 38TH AVE |
|---|---|
| City | CAPITOLA |
| State | CA |
| Zip | 95010-2906 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 4 |
| Legal Subdivision | THOMPSON |
| Legal Lot Number | 4 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 121702 |
Source: Santa Cruz County assessment roll, APN 034-181-04, as of August 19, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 400 ESMERALDA DR, SANTA CRUZ, CA 95060-1637 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 28, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage PLANET HOME LENDING LLC |
| Jan 18, 2023 | Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Oct 07, 2022 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 18, 2023 · Amount on Record |
| Deed Sale | Jan 18, 2023 · Amount on Record |
| Prior Sale | Jan 08, 2010 · Amount on Record |
| Deed Document Number | 2023859 |
| Prior Transfer Date | Sep 30, 2022 |
| Prior Transfer Doc | 0000027922 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 1605 38TH AVE, CAPITOLA, CA 95010-2906 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2024 |
| Title Company | ORABGE COAST TITLE, ORANGE COAST TITLE |
| Name | Verified Name |
|---|---|
| Address | 400 ESMERALDA DR, SANTA CRUZ, CA 95060-1637 |
| Document Number | 0000003639 |
|---|---|
| Date | Feb 28, 2024 |
| Instrument | 2024-0003639 |
| Name | PLANET HOME LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MERIDEN, CT 06450 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 365 Months |
| Due | Jul 01, 2054 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Jan 18, 2023 |
| Property Address | 1605 38TH AVE, CAPITOLA, CA 95010-2906 |
| Document Number | 0000000859 |
| Map Reference | VOL 1176 PG 515 |
| Instrument Date | Jan 13, 2023 |
| Instrument | 2023-0000859 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2023 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $888.80 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 400 ESMERALDA DR, SANTA CRUZ, CA 95060-1637 |
| Document Number | 0000000860 |
|---|---|
| Date | Jan 18, 2023 |
| Instrument | 2023-0000860 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Oct 07, 2022 |
| Property Address | 1605 38TH AVE, CAPITOLA, CA 95010-2906 |
| Document Number | 0000027923 |
| Map Reference | VOL 1176 PG 515 |
| Instrument Date | Oct 04, 2022 |
| Instrument | 2022-0027923 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1160 WEBSTER ST, SANTA CRUZ, CA 95062-1624 |
Source: Santa Cruz County assessment roll as of August 19, 2026 · Last verified August 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 | Live Oak Elementary School District (KG - 08) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,371,359 (+12.18%) Land $965,287 Building $406,072 | ||
| 2025 | $15,240.00 (+108.37%) | $1,222,470 (+118.96%) Land $936,360 Building $286,110 | |
| 2023 | $7,314.00 (+2.49%) | $558,318 Land $421,840 Building $136,478 | $716,130 |
| 2022 | $7,136.00 |
Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), as of July 10, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060871217022, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 4 in force |
| Wildfire Risk | Low lower than 94% of the US · lower than 96% of California |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection, 484 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: AT&T, California Internet, Cruzio Internet, Surfnet Communications.
Source: EPA Safe Drinking Water Information System, water system CA4410010, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SANTA CRUZ WATER DEPARTMENT serves 94,626 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2022–2024) 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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