1871 43rd Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 1871 43rd Ave, Capitola, CA 95010

Property Summary

Property Type	Duplex
Details	3 bd · 3 ba · 1,685 sqft · built 1950
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on Record
Last Sale	$920,000 (Jul 2018)
Tax Bill	$13,870 (2025)
Deeds & Mortgages	Jan 2019 Line of Credit Aug 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`034-121-32`

Property Details

APN / Parcel Number

Primary APN	`034-121-32`
Alternative APN	`034-121-32-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,685 sqft Living Area

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Duplex Single
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	3,049 sqft (0.07 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1871 43RD AVE
City	CAPITOLA
State	CA
Zip	95010-3511
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R
Legal Subdivision	CAPITOLA HEIGHTS
Legal Block	H
Legal Lot Number	23,24
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	1873 43RD AVE, CAPITOLA, CA 95010-3511
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2019	Deed of Trust, Mortgage · Line of Credit BAY FCU
Aug 26, 2019	Deed of Trust, Mortgage · ARM HOMEBRIDGE FINANCIAL SERVICES INC
Jul 27, 2018	Grant Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE
Jul 27, 2018	Quit Claim Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2018 · Amount on Record
Deed Sale	Jul 27, 2018 · Amount on Record
Prior Sale	Apr 12, 2000 · Amount on Record
Deed Document Number	201823005
Prior Transfer Date	Jul 20, 2018
Prior Transfer Doc	0000023004
Record Updated	Sep 20, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1871 43RD AVE, CAPITOLA, CA 95010-3511
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002237
Date	Jan 29, 2019
Instrument	2019-0002237

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	302 Months
Due	Mar 15, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1871 43RD AVE, CAPITOLA, CA 95010-3511
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024780
Date	Aug 26, 2019
Instrument	2019-0024780

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Sep 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.87%
Index	1-Year LIBOR
Max Rate	8.87%

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 27, 2018
Property Address	1871 43RD AVE, CAPITOLA, CA 95010-3511
Document Number	0000023005
Map Reference	MB 13 PG 31
Instrument Date	Jul 24, 2018
Instrument	2018-0023005
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	160 AVIATION WAY STE C, C, WATSONVILLE, CA 95076-2095

Mortgage

Document Number	0000023006
Date	Jul 27, 2018
Instrument	2018-0023006

Lender

Name	AMERICAN PACIFIC MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 27, 2018
Property Address	1871 43RD AVE, CAPITOLA, CA 95010-3511
Document Number	0000023004
Instrument Date	Jul 20, 2018
Instrument	23004
Transaction Type	Transfer
Record Updated	Aug 7, 2018
Title Company	FIRST AMERICAN 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

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
2026		$1,046,803 (+2%) Land $648,563 Building $398,240
2025	$13,870.00 (+9.32%) Homeowner's exemption	$1,026,278 (+4.04%) Land $635,846 Building $390,432
2023	$12,687.00 (+1.39%)	$986,426 Land $611,155 Building $375,271
2022	$12,513.00

Assessed value is set for property tax purposes and is not a market price estimate.

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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