1860 42nd Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 1860 42nd Ave, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,188 sqft · built 1954
Lot Size	0.118 acres (5,140 sqft)
Owner	Individual Name on Record
Last Sale	$850,000 (May 2020)
Tax Bill	$11,897 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`034-121-02`

Property Details

APN / Parcel Number

Primary APN	`034-121-02`
Alternative APN	`034-121-02-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,188 sqft Living Area
Gross Area	1,508 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1970
Architectural Style	Bungalow
Exterior Material	Wood
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	5,140 sqft (0.118 acres)
Garage Type	Attached
Garage Area	320 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	1860 42ND AVE
City	CAPITOLA
State	CA
Zip	95010-3506
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	CAPITOLA HEIGHTS
Legal Lot Number	20,21
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2007
Census Tract	121701

Owner

Source: Santa Cruz County records, as of August 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	1860 42ND AVE, CAPITOLA, CA 95010-3506
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Aug 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
May 22, 2020	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 22, 2020 · Amount on Record
Deed Sale	May 22, 2020 · Amount on Record
Deed Document Number	202017760
Prior Transfer Date	May 14, 2020
Prior Transfer Doc	0000017760
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1860 42ND AVE, CAPITOLA, CA 95010-3506
Transaction Type	Mortgage
Record Updated	Nov 2, 2022
Title Company	RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1860 42ND AVE, CAPITOLA, CA 95010-3506

Mortgage

Document Number	0000028750
Date	Oct 19, 2022
Instrument	2022-0028750

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 4, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1860 42ND AVE, CAPITOLA, CA 95010-3506
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	US FIDELITY TITLE COMPANY, FIDELITY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1860 42ND AVE, CAPITOLA, CA 95010-3506

Mortgage

Document Number	0000044229
Date	Aug 26, 2021
Instrument	2021-0044229

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

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

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 22, 2020
Property Address	1860 42ND AVE, CAPITOLA, CA 95010-3506
Document Number	0000017760
Instrument Date	May 14, 2020
Instrument	17760
Transaction Type	Transfer
Record Updated	Jun 8, 2020
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$935.00
Amount Accuracy	Full Value

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1860 42ND AVE CAPITOLA CA 950103506, CAPITOLA, CA 95010-3506

Mortgage

Document Number	17761
Date	May 22, 2020
Instrument	17761

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 21, 2050

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		$1,014,691 (+9.15%) Land $725,087 Building $289,604
2025	$11,897.00 (+9.87%) Homeowner's exemption	$929,599 (+4.04%) Land $710,870 Building $218,729
2023	$10,828.00 (+1.2%) Homeowner's exemption	$893,502 Land $683,266 Building $210,236	$1,146,240
2022	$10,700.00

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
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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