Santa Cruz County property record for 200 Cortez St, Capitola, CA 95010
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 2,972 sqft · built 1969 |
| Lot Size | 0.141 acres (6,142 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $2,200,000 (Jun 2026) |
| Tax Bill | $13,265 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Jul 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 036-222-14 |
| Primary APN | 036-222-14 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 8 Rooms |
| Building Area | 2,972 sqft Living Area |
| Gross Area | 3,322 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 2010 |
| Construction Type | Wood |
| Roof Type | Sawtooth |
| Roof Material | Composition Shingle |
| Lot Area | 6,142 sqft (0.141 acres) |
| Garage Type | Attached |
| Garage Area | 350 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 200 CORTEZ ST |
|---|---|
| City | CAPITOLA |
| State | CA |
| Zip | 95010-2314 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TRACT 471 LOT 94 |
| Legal Subdivision | CLIFFWOOD HEIGHTS |
| Legal Tract | 471 |
| Legal Lot Number | 94 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 121801 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 200 CORTEZ ST, CAPITOLA, CA 95010-2314 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 25, 2026 | Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE |
| Jul 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GOLDEN 1 CU |
| Jul 15, 2020 | Loan Modification, Mortgage · Line of Credit WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 25, 2026 · Amount on Record |
| Deed Sale | Jun 25, 2026 · Amount on Record |
| Prior Sale | Jul 17, 2025 · Amount on Record |
| Deed Document Number | 202614449 |
| Prior Transfer Date | Feb 3, 2020 |
| Prior Transfer Doc | 0000004412 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Jun 25, 2026 |
| Property Address | 200 CORTEZ ST, CAPITOLA, CA 95010-2314 |
| Document Number | 0000014449 |
| Instrument Date | Jun 1, 2026 |
| Instrument | 202614449 |
| Transaction Type | Transfer |
| Record Updated | Jul 10, 2026 |
| Title Company | CHICAGO TITLE W, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $244,420.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 200 CORTEZ ST, CAPITOLA, CA 95010-2314 |
| Investor | Possibly a Property Investor |
| Document Number | 0000014450, |
|---|---|
| Date | Jun 25, 2026 |
| Instrument | 202614450 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 200 CORTEZ ST, CAPITOLA, CA 95010-2314 |
| Document Number | 0000029058 |
| Instrument Date | Jul 27, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 200 CORTEZ ST CAPITOLA CA 950102314, CAPITOLA, CA 95010-2314 |
| Document Number | 0000029058 |
|---|---|
| Date | Aug 3, 2020 |
| Instrument | 29058 |
| Name | GOLDEN 1 CU |
|---|---|
| Type | Credit Union |
| Address | SACRAMENTO, CA 95826 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 2, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 200 CORTEZ ST, CAPITOLA, CA 95010-2314 |
| Document Number | 0000029057 |
| Instrument Date | Jul 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 200 CORTEZ ST CAPITOLA CA 950102314, CAPITOLA, CA 95010-2314 |
| Document Number | 0000029057 |
|---|---|
| Date | Aug 3, 2020 |
| Instrument | 29057 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | PORTLAND, OR 97208-4149 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Santa Cruz County assessment roll, as of August 19, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,980,000 (+88.56%) Land $1,386,000 Building $594,000 | ||
| 2025 | $13,265.00 (+9.04%) | $1,050,046 (+4.04%) Land $630,028 Building $420,018 | |
| 2023 | $12,165.00 (+1.13%) | $1,009,272 Land $605,564 Building $403,708 | $1,604,160 |
| 2022 | $12,029.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective July 10, 2019
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 333 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
May also be available: AT&T, Cruzio, Etheric Networks, Surfnet Communications, T-Mobile, Verizon, Xfinity.
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