Santa Cruz County property record for 161 Cortez St, Capitola, CA 95010
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 2,476 sqft · built 1969 |
| Lot Size | 0.135 acres (5,881 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $8,011 (2025) |
| Deeds & Mortgages | Sep 2022 Transfer Oct 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 036-226-05 |
| Primary APN | 036-226-05 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Building Area | 2,476 sqft Living Area |
| Gross Area | 2,914 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Construction Type | Wood |
| Roof Type | Sawtooth |
| Roof Material | Composition Shingle |
| Lot Area | 5,881 sqft (0.135 acres) |
| Garage Type | Attached |
| Garage Area | 438 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 161 CORTEZ ST |
|---|---|
| City | CAPITOLA |
| State | CA |
| Zip | 95010-2311 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TR 471 |
| Legal Subdivision | CLIFFWOOD HEIGHTS UN 02 TR 471 |
| Legal Tract | 471 |
| Legal Lot Number | 81 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1004 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 161 CORTEZ ST, CAPITOLA, CA 95010-2311 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 13, 2022 | Intrafamily Transfer, Transfer |
| Oct 25, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Sep 7, 2022 |
| Transfer Doc | 0000025736 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Sep 13, 2022 |
| Property Address | 161 CORTEZ ST, CAPITOLA, CA 95010-2311 |
| Document Number | 0000025736 |
| Map Reference | VOL 45 PG 12 |
| Instrument Date | Sep 7, 2022 |
| Instrument | 2022-0025736 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 161 CORTEZ ST, CAPITOLA, CA 95010-2311 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 161 CORTEZ ST, CAPITOLA, CA 95010-2311 |
| Document Number | 0000037094 |
| Instrument Date | Oct 25, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 161 CORTEZ ST CAPITOLA CA 950102311, CAPITOLA, CA 95010-2311 |
| Document Number | 0000037094 |
|---|---|
| Date | Nov 3, 2017 |
| Instrument | 37094 |
| Name | BANK OF THE WEST |
|---|---|
| Type | Bank |
| Address | CAPITOLA, CA 95010 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 2, 2047 |
| Rate Type | Adjustable Rate |
|---|
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 | $599,165 (+2%) Land $370,394 Building $228,771 | ||
| 2025 | $8,011.00 (+10.54%) Homeowner's exemption | $587,416 (+4.04%) Land $363,131 Building $224,285 | |
| 2023 | $7,247.00 (+1.44%) Homeowner's exemption | $564,606 Land $349,030 Building $215,576 | $2,199,420 |
| 2022 | $7,144.00 |
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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