1708 48th Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 1708 48th Ave, Capitola, CA 95010 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,086 sqft · built 2012
Lot Size	0.077 acres (3,354 sqft)
Owner	Individual Name on File
Last Sale	$375,000 (May 2012)
Tax Bill	$22,614 (2025)
Deeds & Mortgages	Mar 2023 Transfer Feb 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`034-023-40`

Property Details

APN / Parcel Number

Primary APN	`034-023-40`
Alternative APN	`034-023-40-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,086 sqft Living Area
Gross Area	2,363 sqft

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	3,354 sqft (0.077 acres)
Garage Type	Attached
Garage Area	277 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1708 48TH AVE
City	CAPITOLA
State	CA
Zip	95010-2832
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	CITY CAPITOLA
Legal Lot Number	1
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2001
Census Tract	121701

Owner

Source: Santa Cruz County records · APN 034-023-40

Assessment roll updated 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	Individual Name on File
Mailing Address	3675 LA CALLE CT, PALO ALTO, CA 94306-2619
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2023	Intrafamily Transfer, Transfer
Feb 27, 2019	Deed of Trust, Mortgage · Line of Credit SANTA CRUZ COUNTY BANK
Nov 09, 2018	Deed of Trust, Mortgage · ARM GUARANTEED RATE AFFINITY LLC
Oct 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 01, 2012 · Amount on Record
Deed Sale	May 01, 2012 · Amount on Record
Deed Document Number	201220910
Last Transfer Date	Feb 22, 2023
Transfer Doc	0000004256
Record Updated	Sep 20, 2026

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 13, 2023
Property Address	1708 48TH AVE, CAPITOLA, CA 95010-2832
Document Number	0000004256
Map Reference	VOL 61 PG 8
Instrument Date	Feb 22, 2023
Instrument	2023-0004256
Transaction Type	Transfer
Record Updated	Jun 07, 2023

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	Family Trust
Address	3675 LA CALLE CT, PALO ALTO, CA 94306-2619

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1708 48TH AVE, CAPITOLA, CA 95010-2832
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	STEWART TITLE OF CALIFORNIA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005028
Date	Feb 27, 2019
Instrument	2019-0005028

Lender

Name	SANTA CRUZ COUNTY BANK
Type	Bank
Address	SANTA CRUZ, CA 95061

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1708 48TH AVE, CAPITOLA, CA 95010-2832
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033765
Date	Nov 09, 2018
Instrument	2018-0033765

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Non-Lending Institution
Address	CHICAGO, IL 60613

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Dec 01, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.37%
Index	1-Year LIBOR
Max Rate	9.37%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1708 48TH AVE, CAPITOLA, CA 95010-2832
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3675 LA CALLE CT, PALO ALTO, CA 94306-2619

Mortgage

Document Number	0000045256
Date	Oct 30, 2020
Instrument	2020-0045256

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2050

Tax Assessment & Valuation

Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 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

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		$1,904,540 (+2%) Land $1,428,405 Building $476,135
2025	$22,614.00 (+9.2%)	$1,867,196 (+4.04%) Land $1,400,397 Building $466,799
2023	$20,709.00 (+0.96%)	$1,794,691 Land $1,346,018 Building $448,673	$1,652,490
2022	$20,512.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060871217012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2022, other causes, Severe Winter Storms, Flooding, Landslides, And Mudslides

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 822 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Surfnet Communications	Fixed Wireless	100 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: AT&T, Cruzio Internet, Xfinity, California Internet, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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