1775 49th Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 1775 49th Ave, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	1,518 sqft · built 1991
Lot Size	0.086 acres (3,746 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (Dec 2016)
Tax Bill	$11,612 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jan 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`034-023-35`

Property Details

APN / Parcel Number

Primary APN	`034-023-35`
Alternative APN	`034-023-35-000`

Interior

Total Rooms	6 Rooms
Building Area	1,518 sqft Living Area
Gross Area	1,718 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Construction Type	Wood
Lot Area	3,746 sqft (0.086 acres)
Garage Type	Attached
Garage Area	200 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1775 49TH AVE
City	CAPITOLA
State	CA
Zip	95010-2834
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	CAPITOLA HEIGHTS
Legal Block	B
Legal Lot Number	33
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	1775 49TH AVE, CAPITOLA, CA 95010-2834
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Jan 24, 2017	Deed of Trust, Mortgage · ARM MUFG UNION BANK NA
Dec 14, 2017	Deed of Trust, Mortgage · ARM MUFG UNION BANK NA
Mar 11, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2016 · Amount on Record
Deed Sale	Dec 29, 2016 · Amount on Record
Prior Sale	Sep 29, 2016 · Amount on Record
Deed Document Number	201652197
Last Transfer Date	Jan 14, 2021
Transfer Doc	0000014658
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1775 49TH AVE, CAPITOLA, CA 95010-2834
Transaction Type	Mortgage
Record Updated	Feb 24, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1775 49TH AVE, CAPITOLA, CA 95010-2834

Mortgage

Document Number	0000008267
Date	Feb 10, 2021
Instrument	2021-0008267

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1775 49TH AVE, CAPITOLA, CA 95010-2834
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002796
Date	Jan 24, 2017
Instrument	2017-0002796

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Feb 1, 2027
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	6.25%
Index	1-Year LIBOR
Max Rate	10.2%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1775 49TH AVE, CAPITOLA, CA 95010-2834
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TI CO SALIN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042423
Date	Dec 14, 2017
Instrument	2017-0042423

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Jan 1, 2028
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.87%
Index	1-Year LIBOR
Max Rate	9.87%

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 11, 2021
Property Address	1775 49TH AVE, CAPITOLA, CA 95010-2834
Document Number	0000014658
Map Reference	MB 13 PG 31
Instrument Date	Jan 14, 2021
Instrument	2021-0014658
Transaction Type	Transfer
Record Updated	Jun 7, 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
Address	1775 49TH AVE, CAPITOLA, CA 95010-2834

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		$925,318 (+2%) Land $744,197 Building $181,121
2025	$11,612.00 (+9.96%)	$907,175 (+4.04%) Land $729,605 Building $177,570
2023	$10,560.00 (+1.21%)	$871,948 Land $701,274 Building $170,674	$1,179,180
2022	$10,434.00

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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