204 Monterey Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 204 Monterey Ave, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,547 sqft · built 1925
Lot Size	0.064 acres (2,788 sqft)
Owner	Individual Name on Record
Tax Bill	$22,623 (2025)
Deeds & Mortgages	Oct 2025 Reverse Mortgage May 2024 Construction Loan + 3 more
Flood Zone	Zone X (moderate risk)
APN	`035-261-06`

Property Details

APN / Parcel Number

Primary APN	`035-261-06`
Alternative APN	`035-261-06-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Building Area	3,547 sqft Living Area
Gross Area	3,947 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 2000
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	2,788 sqft (0.064 acres)
Terrain	Steep
View / Lot	Ocean
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	400 sqft
Patio Area	400 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	204 MONTEREY AVE
City	CAPITOLA
State	CA
Zip	95010-3231
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	CAPITOLA SUB 6
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2000
Census Tract	121801

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	204 MONTEREY AVE, CAPITOLA, CA 95010-3231
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2025	Deed of Trust, Mortgage · Reverse Mortgage MUTUAL OF OMAHA MORTGAGE INC
May 3, 2024	Deed of Trust, Mortgage · Construction Mortgage ROBERT D SANGIACOMO
May 15, 2023	Intrafamily Transfer, Transfer
Aug 20, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 20, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 10, 1993
Transfer Doc	0000094705
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	204 MONTEREY AVE, CAPITOLA, CA 95010-3231
Transaction Type	Mortgage
Record Updated	Oct 30, 2025
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 MONTEREY AVE, CAPITOLA, CA 95010-3231

Mortgage

Document Number	0000022111
Date	Oct 16, 2025
Instrument	2025-0022111

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	905 Months
Due	Mar 3, 2101

Interest

Rate Type	Adjustable Rate

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	204 MONTEREY AVE, CAPITOLA, CA 95010-3231
Transaction Type	Mortgage
Record Updated	May 17, 2024
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 MONTEREY AVE, CAPITOLA, CA 95010-3231

Mortgage

Document Number	0000008222
Date	May 3, 2024
Instrument	2024-0008222

Lender

Name	ROBERT D SANGIACOMO
Type	Private Party

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	May 15, 2023
Property Address	204 MONTEREY AVE, CAPITOLA, CA 95010-3231
Document Number	0000008454
Instrument Date	Apr 26, 2023
Instrument	2023-0008454
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 MONTEREY AVE, CAPITOLA, CA 95010-3231

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 20, 2018
Property Address	204 MONTEREY AVE, CAPITOLA, CA 95010-3231
Document Number	0000025421
Instrument Date	Aug 14, 2018
Instrument	25421
Transaction Type	Transfer
Record Updated	Sep 7, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	400 CAMINO EL ESTERO MONTEREY CA 939403005, MONTEREY, CA 93940-3005

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 20, 2018
Property Address	204 MONTEREY AVE, CAPITOLA, CA 95010-3231
Document Number	0000025420
Instrument Date	Aug 14, 2018
Instrument	25420
Transaction Type	Transfer
Record Updated	Sep 7, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	204 MONTEREY AVE CAPITOLA CA 950103231, CAPITOLA, CA 95010-3231

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		$1,911,665 (+2%) Land $1,345,206 Building $566,459
2025	$22,623.00 (+184.64%) Homeowner's exemption	$1,874,181 (+197.94%) Land $1,318,830 Building $555,351
2023	$7,948.00 (+1.36%)	$629,048 Land $321,840 Building $307,208	$3,222,360
2022	$7,841.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 24 individual policies
Nearby Flood Policies	40 units insured incl. 16 condo units
Nearby Flood Claims	1 (2011)
Most Recent Claim	Mar 2011 · river or lake flooding

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	Not rated no burnable land within 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 822 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Surfnet Communications Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Cruzio, GeoLinks, Xfinity.

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