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2109 Derby Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 2109 Derby Ave, Capitola, CA 95010

Property Summary

Property TypeSingle Family Home
Details4 bd · 1.5 ba · 1,332 sqft · built 1961
Lot Size0.142 acres (6,186 sqft)
OwnerIndividual Name on File
Last Sale$480,000 (Mar 2009)
Tax Bill$8,360 (2025)
Deeds & MortgagesJan 2021 Mortgage
Jan 2021 Transfer
Flood ZoneZone X (minimal risk)
APN034-221-17

Property Details

APN / Parcel Number

Primary APN034-221-17
Alternative APN
  • 034-221-17-000

Interior

Bedrooms4 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Building Area1,332 sqft Living Area
Gross Area1,692 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1961
Effective Year BuiltEffective 1961
Construction TypeWood
Roof MaterialOther
Lot Area6,186 sqft (0.142 acres)
Garage TypeAttached
Garage Area360 sqft
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemWall Unit
Heating SystemFloor/Wall Furnace
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address2109 DERBY AVE
CityCAPITOLA
StateCA
Zip95010-2020
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal SubdivisionCLARES COURT 01 TR 268
Legal Lot Number8
JurisdictionSANTA CRUZ CA
Township / Civil DivisionSANTA CRUZ
Census Block Group3
Census Block3001
Census Tract121701

Owner

2109 Derby Ave is owned and occupied by an individual who acquired it in June 2020.

Source: Santa Cruz County records, as of August 19, 2026

Owner of RecordIndividual Name on File
Mailing Address2109 DERBY AVE, CAPITOLA, CA 95010-2020
OccupancyOwner Occupied
Owner TypeIndividual
VestingBorrower in Default

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Jan 6, 2021Intrafamily Transfer, Transfer · Conventional Mortgage
QUICKEN LOANS LLC
Jan 6, 2021Quit Claim Deed, Transfer
AMROCK INC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 20, 2009 · Amount on File
Deed SaleMar 20, 2009 · Amount on File
Prior SaleDec 3, 2008 · Amount on File
Deed Document Number200911980
Last Transfer DateJun 27, 2020
Transfer Doc0000000733
Record UpdatedSep 20, 2026

January 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSANTA CRUZ CA
Recording DateJan 6, 2021
Property Address2109 DERBY AVE, CAPITOLA, CA 95010-2020
Document Number0000000733
Map ReferenceVOL 37 PG 9
Instrument DateJun 27, 2020
Instrument2021-0000733
Transaction TypeTransfer
Record UpdatedAug 17, 2021
Title CompanyAMROCK INC

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2109 DERBY AVE, CAPITOLA, CA 95010-2020

Mortgage

Document Number0000000734
DateJan 6, 2021
Instrument2021-0000734
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term342 Months
DueJul 1, 2049

January 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSANTA CRUZ CA
Recording DateJan 6, 2021
Property Address2109 DERBY AVE, CAPITOLA, CA 95010-2020
Document Number0000000735
Instrument DateJun 27, 2020
Instrument735
Transaction TypeTransfer
Record UpdatedJan 21, 2021
Title CompanyAMROCK INC

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address2109 DERBY AVE CAPITOLA CA 950102020, CAPITOLA, CA 95010-2020

Tax Assessment & Valuation

The 2025 property tax bill for 2109 Derby Ave was $8,360 with a homeowner's exemption.

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
MunicipalityCapitola City
Secondary School DistrictSanta Cruz City High School District (9-12) (09 - 12)
Elementary School DistrictSoquel Elementary School District (KG - 08)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$630,490 (+2%) Land $407,192 Building $223,298
2025$8,360.00 Homeowner's exemption$618,128 Land $399,208 Building $218,920
2023$7,644.00 (+1.38%)$594,125 Land $383,706 Building $210,419$1,283,310
2022$7,540.00

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

Flood

FEMA maps place 2109 Derby Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 10, 2019

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 2109 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 RiskLow
lower than 80% of the US · lower than 88% of California
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemSANTA CRUZ WATER DEPARTMENT
serves 94,626 people · EPA ID CA4410010
Water SourceSurface water
Last State InspectionJun 2025
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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