1842 48th Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 1842 48th Ave, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 936 sqft · built 1953
Lot Size	0.082 acres (3,572 sqft)
Owner	Individual Name on Record
Last Sale	$1,175,000 (Nov 2020)
Tax Bill	$15,674 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Nov 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`034-023-32`

Property Details

APN / Parcel Number

Primary APN	`034-023-32`
Alternative APN	`034-023-32-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	936 sqft Living Area
Gross Area	1,152 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 2012
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	3,572 sqft (0.082 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	216 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1842 48TH AVE
City	CAPITOLA
State	CA
Zip	95010-2833
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLK B LOT 21
Legal Subdivision	CAPITOLA HEIGHTS
Legal Lot Number	21
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	1842 48TH AVE, CAPITOLA, CA 95010-2833
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Nov 5, 2020	Grant Deed, Transfer OLD REPUBLIC TITLE
Mar 8, 2018	Grant Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 5, 2020 · Amount on Record
Deed Sale	Nov 5, 2020 · Amount on Record
Prior Sale	Mar 8, 2018 · Amount on Record
Deed Document Number	202046351
Prior Transfer Date	Oct 17, 2013
Prior Transfer Doc	0000051449
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1842 48TH AVE, CAPITOLA, CA 95010-2833
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	AMROCK TITLE CA INC, AMROCK TITLE CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1842 48TH AVE, CAPITOLA, CA 95010-2833

Mortgage

Document Number	0000031232
Date	Jun 7, 2021
Instrument	2021-0031232

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Feb 1, 2051

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 5, 2020
Property Address	1842 48TH AVE, CAPITOLA, CA 95010-2833
Document Number	0000046351
Instrument Date	Oct 27, 2020
Instrument	46351
Transaction Type	Transfer
Record Updated	Nov 19, 2020
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Tax	$1,293.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1842 48TH AVE CAPITOLA CA 950102833, CAPITOLA, CA 95010-2833

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 8, 2018
Property Address	1842 48TH AVE, CAPITOLA, CA 95010-2833
Document Number	0000006987
Instrument Date	Feb 28, 2018
Instrument	6987
Transaction Type	Transfer
Record Updated	Mar 22, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$1,052.70
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	6553 WHITBOURNE DR SAN JOSE CA 951204552, SAN JOSE, CA 95120-4552

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		$1,297,295 (+2%) Land $1,037,836 Building $259,459
2025	$15,674.00 (+9.6%) Homeowner's exemption	$1,271,858 (+4.04%) Land $1,017,486 Building $254,372
2023	$14,301.00 (+1.09%) Homeowner's exemption	$1,222,470 Land $977,976 Building $244,494	$1,162,530
2022	$14,147.00

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 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.

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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