2105 Derby Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 2105 Derby Ave, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,418 sqft · built 1962
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Trust Names on File
Last Sale	$561,000 (Jun 2013)
Tax Bill	$10,260 (2025)
Deeds & Mortgages	May 2022 Mortgage May 2022 Transfer + 5 more
Flood Zone	Zone X (minimal risk)
APN	`034-221-20`

Property Details

APN / Parcel Number

Primary APN	`034-221-20`
Alternative APN	`034-221-20-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Building Area	1,418 sqft Living Area
Gross Area	1,730 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Construction Type	Wood
Roof Material	Other
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	312 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2105 DERBY AVE
City	CAPITOLA
State	CA
Zip	95010-2020
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 268 LOT 2
Legal Subdivision	CLARES COURT SUB TR #268
Legal Tract	268
Legal Lot Number	2
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	3
Census Block	3001
Census Tract	121701

Owner

2105 Derby Ave is owner-occupied and held in a trust since April 2022.

Source: Santa Cruz County records, as of August 24, 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 Trust Names on File
Mailing Address	2105 DERBY AVE, CAPITOLA, CA 95010-2020
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
May 2, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
May 2, 2022	Intrafamily Transfer, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
Jul 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
May 27, 2020	Deed of Trust, Mortgage · Line of Credit PREMIERONE CU
Apr 27, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Apr 29, 2020	Quit Claim Deed, Transfer OLD REPUBLIC TITLE
Apr 24, 2018	Deed of Trust, Mortgage · Conventional Mortgage OPES ADVISORS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 7, 2013 · Amount on File
Deed Sale	Jun 7, 2013 · Amount on File
Prior Sale	Aug 9, 2004 · Amount on File
Deed Document Number	201328481
Last Transfer Date	Apr 22, 2022
Transfer Doc	0000013892
Record Updated	Oct 29, 2026

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	May 2, 2022
Property Address	2105 DERBY AVE, CAPITOLA, CA 95010-2020
Document Number	0000013892
Map Reference	VOL 37 PG 9
Instrument Date	Apr 22, 2022
Instrument	2022-0013892
Transaction Type	Transfer
Record Updated	May 17, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

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	2105 DERBY AVE, CAPITOLA, CA 95010-2020

Mortgage

Document Number	0000013893
Date	May 2, 2022
Instrument	2022-0013893

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	May 2, 2022
Property Address	2105 DERBY AVE, CAPITOLA, CA 95010-2020
Document Number	0000013891
Map Reference	VOL 37 PG 9
Instrument Date	Apr 22, 2022
Instrument	2022-0013891
Transaction Type	Transfer
Record Updated	May 17, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

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	2105 DERBY AVE, CAPITOLA, CA 95010-2020

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	2105 DERBY AVE, CAPITOLA, CA 95010-2020
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019808
Date	Jul 16, 2019
Instrument	2019-0019808

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	2105 DERBY AVE, CAPITOLA, CA 95010-2020
Document Number	0000018934
Instrument Date	May 27, 2020
Transaction Type	Mortgage
Record Updated	Jun 17, 2020
Title Company	CHICAGO TITLE PIRT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2105 DERBY AVE CAPITOLA CA 950102020, CAPITOLA, CA 95010-2020

Mortgage

Document Number	0000018934
Date	Jun 2, 2020
Instrument	18934

Lender

Name	PREMIERONE CU
Type	Credit Union
Address	SAN JOSE, CA 95110

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jun 1, 2045

Interest

Rate Type	Adjustable Rate

April 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 27, 2020
Property Address	2105 DERBY AVE, CAPITOLA, CA 95010-2020
Document Number	0000014366
Map Reference	VOL 37 PG 9
Instrument Date	Apr 21, 2020
Instrument	2020-0014366
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

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
Relationship	Community Property with Right of Survivorship
Address	2105 DERBY AVE, CAPITOLA, CA 95010-2020

Mortgage

Document Number	0000014367
Date	Apr 27, 2020
Instrument	2020-0014367

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

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

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 29, 2020
Property Address	2105 DERBY AVE, CAPITOLA, CA 95010-2020
Document Number	0000014655
Instrument Date	Apr 21, 2020
Instrument	14655
Transaction Type	Transfer
Record Updated	May 14, 2020
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2105 DERBY AVE CAPITOLA CA 950102020, CAPITOLA, CA 95010-2020

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	2105 DERBY AVE, CAPITOLA, CA 95010-2020
Document Number	0000012958
Instrument Date	Apr 24, 2018
Transaction Type	Mortgage
Record Updated	May 31, 2018
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2105 DERBY AVE CAPITOLA CA 950102020, CAPITOLA, CA 95010-2020

Mortgage

Document Number	0000012958
Date	Apr 30, 2018
Instrument	12958

Lender

Name	OPES ADVISORS
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 29, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2105 Derby Ave was $10,260 with a homeowner's exemption.

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		$801,145 (+2%) Land $422,789 Building $378,356
2025	$10,260.00 Homeowner's exemption	$785,436 Land $414,499 Building $370,937
2023	$9,319.00 (+1.27%) Homeowner's exemption	$754,937 Land $398,404 Building $356,533	$1,101,330
2022	$9,202.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2105 Derby Ave in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 2105 Derby Ave is low, with a 0.01% annual chance of 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	SANTA CRUZ WATER DEPARTMENT serves 94,626 people · EPA ID CA4410010
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2022–2024) 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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