Santa Cruz County property record for 209 Cortez St, Capitola, CA 95010
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,049 sqft · built 1968 |
| Lot Size | 0.166 acres (7,231 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $7,821 (2025) |
| Deeds & Mortgages | Jun 2021 Line of Credit Jun 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 036-226-02 |
| Primary APN | 036-226-02 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,049 sqft Living Area |
| Gross Area | 2,399 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Sawtooth |
| Roof Material | Composition Shingle |
| Lot Area | 7,231 sqft (0.166 acres) |
| Garage Type | Attached |
| Garage Area | 350 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 264 sqft |
| Patio Area | 264 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 209 CORTEZ ST |
|---|---|
| City | CAPITOLA |
| State | CA |
| Zip | 95010-2313 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | TR 471 |
| Legal Subdivision | CLIFFWOOD HEIGHTS UN #2 TR #471 |
| Legal Tract | 471 |
| Legal Lot Number | 78 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 121801 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 209 CORTEZ ST, CAPITOLA, CA 95010-2313 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Jun 8, 2021 | Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST |
| Jun 11, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA |
| Nov 25, 2019 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE WEST |
| May 30, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Nov 15, 2006 |
| Transfer Doc | 0000067117 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 209 CORTEZ ST, CAPITOLA, CA 95010-2313 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 209 CORTEZ ST, CAPITOLA, CA 95010-2313 |
| Document Number | 0000031406 |
|---|---|
| Date | Jun 8, 2021 |
| Instrument | 2021-0031406 |
| Name | BANK OF THE WEST |
|---|---|
| Type | Bank |
| Address | OMAHA, NE 68154 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 209 CORTEZ ST, CAPITOLA, CA 95010-2313 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | STEWART TITLE OF CA INC |
| Name | Verified Name |
|---|
| Document Number | 0000015963 |
|---|---|
| Date | Jun 11, 2019 |
| Instrument | 2019-0015963 |
| Name | MUFG UNION BANK NA |
|---|---|
| Type | Bank |
| Address | SAN DIEGO, CA 92121 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 209 CORTEZ ST, CAPITOLA, CA 95010-2313 |
| Document Number | 0000038467 |
| Instrument Date | Nov 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 19, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 209 CORTEZ ST CAPITOLA CA 950102313, CAPITOLA, CA 95010-2313 |
| Document Number | 0000038467 |
|---|---|
| Date | Dec 6, 2019 |
| Instrument | 38467 |
| Name | BANK OF THE WEST |
|---|---|
| Type | Bank |
| Address | OMAHA, NE 68154 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 5, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 209 CORTEZ ST, CAPITOLA, CA 95010-2313 |
| Document Number | 0000018879 |
| Instrument Date | May 30, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 20, 2017 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 209 CORTEZ ST CAPITOLA CA 950102313, CAPITOLA, CA 95010-2313 |
| Document Number | 0000018879 |
|---|---|
| Date | Jun 8, 2017 |
| Instrument | 18879 |
| Name | BANK OF THE WEST |
|---|---|
| Type | Bank |
| Address | LOS GATOS, CA 95030 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jun 7, 2042 |
| 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 | $591,950 (+2%) Land $324,678 Building $267,272 | ||
| 2025 | $7,821.00 (+10.73%) Homeowner's exemption | $580,342 (+4.04%) Land $318,311 Building $262,031 | |
| 2023 | $7,063.00 (+1.48%) Homeowner's exemption | $557,807 Land $305,951 Building $251,856 | $1,342,980 |
| 2022 | $6,960.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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