1740 48th Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 1740 48th Ave, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,256 sqft · built 1987
Lot Size	0.089 acres (3,877 sqft)
Owner	Individual Name on Record
Last Sale	$995,000 (Dec 2017)
Tax Bill	$14,277 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`034-023-20`

Property Details

APN / Parcel Number

Primary APN	`034-023-20`
Alternative APN	`034-023-20-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	1,256 sqft Living Area
Gross Area	1,496 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	3,877 sqft (0.089 acres)
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1740 48TH AVE
City	CAPITOLA
State	CA
Zip	95010-2832
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLK B LOT 9
Legal Subdivision	CAPITOLA HEIGHTS
Legal Lot Number	9
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, 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	1740 48TH AVE, CAPITOLA, CA 95010-2832
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Nov 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
May 5, 2020	Quit Claim Deed, Transfer QUICKEN LNS
Dec 29, 2017	Grant Deed, Transfer OPES ADVISORS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2017 · Amount on Record
Deed Sale	Dec 29, 2017 · Amount on Record
Prior Sale	Jan 14, 2010 · Amount on Record
Deed Document Number	201744576
Last Transfer Date	Oct 1, 2021
Transfer Doc	0000052468
Record Updated	Sep 20, 2026

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 19, 2021
Property Address	1740 48TH AVE, CAPITOLA, CA 95010-2832
Document Number	0000052468
Map Reference	VOL 13 PG 31
Instrument Date	Oct 1, 2021
Instrument	2021-0052468
Transaction Type	Transfer
Record Updated	Nov 2, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

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	Community Property with Right of Survivorship
Address	1740 48TH AVE, CAPITOLA, CA 95010-2832

Mortgage

Document Number	0000052469
Date	Oct 19, 2021
Instrument	2021-0052469

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1740 48TH AVE, CAPITOLA, CA 95010-2832
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1740 48TH AVE, CAPITOLA, CA 95010-2832

Mortgage

Document Number	0000047164
Date	Nov 10, 2020
Instrument	2020-0047164

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2035

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 5, 2020
Property Address	1740 48TH AVE, CAPITOLA, CA 95010-2832
Document Number	0000015294
Instrument Date	Apr 10, 2020
Instrument	15294
Transaction Type	Transfer
Record Updated	May 22, 2020
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1740 48TH AVE CAPITOLA CA 950102832, CAPITOLA, CA 95010-2832

Mortgage

Document Number	15295
Date	May 5, 2020
Instrument	15295

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 4, 2050

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 29, 2017
Property Address	1740 48TH AVE, CAPITOLA, CA 95010-2832
Document Number	0000044576
Instrument Date	Dec 27, 2017
Instrument	44576
Transaction Type	Transfer
Record Updated	Jan 26, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,094.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1740 48TH AVE CAPITOLA CA 950102832, CAPITOLA, CA 95010-2832

Mortgage

Document Number	44577
Date	Dec 29, 2017
Instrument	44577

Lender

Name	OPES ADVISORS
Address	TROY, MI 48098

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 28, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%

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		$1,154,783 (+2%) Land $808,348 Building $346,435
2025	$14,277.00 (+9.61%)	$1,132,140 (+4.04%) Land $792,498 Building $339,642
2023	$13,025.00 (+1.11%)	$1,088,178 Land $761,725 Building $326,453	$1,068,210
2022	$12,882.00

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 99.1% of the US · lower than 99.2% 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 822 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Surfnet Communications Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Cruzio, GeoLinks, Xfinity.

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