1907 Commons Ct, Apt A, Capitola, CA 95010 Property Records

Santa Cruz County property record for 1907 Commons Ct, Apt A, Capitola, CA 95010

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,394 sqft · built 1982
Lot Size	0.03 acres (1,307 sqft)
Owner	2 Individual Names on Record
Last Sale	$660,000 (Apr 2017)
Tax Bill	$9,867 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`034-351-09`

Property Details

APN / Parcel Number

Primary APN	`034-351-09`
Alternative APN	`034-351-09-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,394 sqft Living Area

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Townhouse
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	1,307 sqft (0.03 acres)

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1907 COMMONS CT, A
City	CAPITOLA
State	CA
Zip	95010-3561
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	TR 1071
Legal Subdivision	TRACT 1071 COURTYARD COMMONS
Legal Tract	1071
Legal Lot Number	9
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2004
Census Tract	121701

Owner

Source: Santa Cruz County records, as of September 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1907 COMMONS CT, A, CAPITOLA, CA 95010-3561
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
Apr 14, 2017	Grant Deed, Transfer · Conventional Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2017 · Amount on Record
Deed Sale	Apr 14, 2017 · Amount on Record
Prior Sale	Sep 28, 2004 · Amount on Record
Deed Document Number	201712387
Prior Transfer Date	Aug 10, 2015
Prior Transfer Doc	0000034471
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1907 COMMONS CT APT A, A, CAPITOLA, CA 95010-3561
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FATC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014179
Date	Apr 24, 2020
Instrument	2020-0014179

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company
Address	LEWISVILLE, TX 75057

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 14, 2017
Property Address	1907 COMMONS CT APT A, A, CAPITOLA, CA 95010-3561
Document Number	0000012387
Instrument Date	Mar 31, 2017
Instrument	12387
Transaction Type	Transfer
Record Updated	Apr 27, 2017
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$726.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1907 COMMONS CT #A CAPITOLA CA 950103561, A, CAPITOLA, CA 95010-3561

Mortgage

Document Number	12388
Date	Apr 14, 2017
Instrument	12388

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 13, 2047

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		$781,306 (+2%) Land $507,849 Building $273,457
2025	$9,867.00 (+9.06%) Homeowner's exemption	$765,986 (+4.04%) Land $497,891 Building $268,095
2023	$9,047.00 (+1.2%)	$736,243 Land $478,558 Building $257,685	$784,260
2022	$8,940.00

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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