1740 47th Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 1740 47th Ave, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,288 sqft · built 2002
Lot Size	0.092 acres (4,008 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,589,000 (Sep 2025)
Tax Bill	$7,723 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Feb 2022 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`034-022-25`

Property Details

APN / Parcel Number

Primary APN	`034-022-25`
Alternative APN	`034-022-25-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Building Area	2,288 sqft Living Area
Gross Area	2,768 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2020
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	4,008 sqft (0.092 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1740 47TH AVE
City	CAPITOLA
State	CA
Zip	95010-2829
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	CAPITOLA HEIGHTS
Legal Block	C
Legal Lot Number	9
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2009
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	2 Individual Names on Record
Mailing Address	1740 47TH AVE, CAPITOLA, CA 95010-2829
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage BAY FCU
Feb 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Apr 12, 2024	Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC
Sep 15, 2025	Grant Deed, Transfer · Conventional Mortgage GOLDEN EMPIRE MORTGAGE INC
May 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage BAY FCU
Aug 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage BAY FCU
May 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2025 · Amount on Record
Deed Sale	Sep 15, 2025 · Amount on Record
Deed Document Number	202519439
Prior Transfer Date	Dec 23, 1997
Prior Transfer Doc	0000062491
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1740 47TH AVE, CAPITOLA, CA 95010-2829
Transaction Type	Mortgage
Record Updated	Oct 20, 2025
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1740 47TH AVE, CAPITOLA, CA 95010-2829

Mortgage

Document Number	0000033779
Date	Jun 21, 2021
Instrument	2021-0033779

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	302 Months
Due	Aug 15, 2046

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1740 47TH AVE, CAPITOLA, CA 95010-2829
Transaction Type	Mortgage
Record Updated	Oct 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1740 47TH AVE, CAPITOLA, CA 95010-2829

Mortgage

Document Number	0000004954
Date	Feb 14, 2022
Instrument	2022-0004954

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1740 47TH AVE, CAPITOLA, CA 95010-2829
Transaction Type	Mortgage
Record Updated	Oct 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1740 47TH AVE, CAPITOLA, CA 95010-2829

Mortgage

Document Number	0000006771
Date	Apr 12, 2024
Instrument	2024-0006771

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 2, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 15, 2025
Property Address	1740 47TH AVE, CAPITOLA, CA 95010-2829
Document Number	0000019439
Map Reference	MB 13 PG 31
Instrument Date	Sep 12, 2025
Instrument	2025-0019439
Transaction Type	Transfer
Record Updated	Oct 20, 2025
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,747.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	1740 47TH AVE, CAPITOLA, CA 95010-2829

Mortgage

Document Number	0000019440
Date	Sep 15, 2025
Instrument	2025-0019440

Lender

Name	GOLDEN EMPIRE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2040

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1740 47TH AVE, CAPITOLA, CA 95010-2829
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014603
Date	May 31, 2019
Instrument	2019-0014603

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1740 47TH AVE, CAPITOLA, CA 95010-2829
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1740 47TH AVE, CAPITOLA, CA 95010-2829

Mortgage

Document Number	0000033734
Date	Aug 31, 2020
Instrument	2020-0033734

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1740 47TH AVE, CAPITOLA, CA 95010-2829
Document Number	0000018687
Instrument Date	May 26, 2017
Transaction Type	Mortgage
Record Updated	Jun 20, 2017
Title Company	TSI TITLE COMPANY/CA INC, TSI TITLE CO/CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1740 47TH AVE CAPITOLA CA 950102829, CAPITOLA, CA 95010-2829

Mortgage

Document Number	0000018687
Date	Jun 7, 2017
Instrument	18687

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 6, 2047

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		$1,589,000 (+182.74%) Land $1,032,850 Building $556,150
2025	$7,723.00 (+10.63%) Homeowner's exemption	$562,004 (+4.04%) Land $234,054 Building $327,950
2023	$6,981.00 (+1.47%) Homeowner's exemption	$540,181 Land $224,965 Building $315,216	$1,053,900
2022	$6,880.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2022 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 97.4% of California
Wildfire Likelihood	Under 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.

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 752 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
Surfnet Communications Fixed Wireless	100 / 20

May also be available: AT&T, Cruzio, GeoLinks, T-Mobile, Verizon, Xfinity.

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