Santa Cruz County property record for 2114 Derby Ave, Capitola, CA 95010
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,165 sqft · built 1964 |
| Lot Size | 0.144 acres (6,273 sqft) |
| Owner | Individual Name on File |
| Last Sale | $925,000 (Feb 2020) |
| Tax Bill | $15,056 (2025) |
| Deeds & Mortgages | May 2023 Mortgage Nov 2022 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 034-222-11 |
| Primary APN | 034-222-11 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Building Area | 2,165 sqft Living Area |
| Gross Area | 2,601 sqft |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 2000 |
| Construction Type | Wood |
| Roof Material | Other |
| Lot Area | 6,273 sqft (0.144 acres) |
| Garage Type | Attached |
| Garage Area | 436 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 2114 DERBY AVE |
|---|---|
| City | CAPITOLA |
| State | CA |
| Zip | 95010-2021 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | CAPITOLA |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 121701 |
Source: Santa Cruz County records · APN 034-222-11
Assessment roll updated August 19, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 2114 DERBY AVE, CAPITOLA, CA 95010-2021 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 30, 2023 | Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA |
| Nov 02, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage MARK E SMITH IRA |
| Jun 20, 2023 | Intrafamily Transfer, Transfer |
| Feb 25, 2020 | Grant Deed, Transfer · Conventional Mortgage EXCELERATE CAP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 25, 2020 · Amount on Record |
| Deed Sale | Feb 25, 2020 · Amount on Record |
| Prior Sale | Apr 06, 2004 · Amount on Record |
| Deed Document Number | 20206482 |
| Last Transfer Date | Jun 15, 2023 |
| Transfer Doc | 0000010963 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 2114 DERBY AVE, CAPITOLA, CA 95010-2021 |
| Transaction Type | Mortgage |
| Record Updated | Jun 08, 2026 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TI |
| Name | Verified Name |
|---|---|
| Address | 2114 DERBY AVE, CAPITOLA, CA 95010-2021 |
| Document Number | 0000009377 |
|---|---|
| Date | May 30, 2023 |
| Instrument | 2023-0009377 |
| Name | CITIBANK NA |
|---|---|
| Type | Bank |
| Address | O FALLON, MO 63368 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 2114 DERBY AVE, CAPITOLA, CA 95010-2021 |
| Transaction Type | Mortgage |
| Record Updated | Jun 08, 2026 |
| Title Company | WFT NATIONAL TITLE, WFG NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000029876 |
|---|---|
| Date | Nov 02, 2022 |
| Instrument | 2022-0029876 |
| Name | MARK E SMITH IRA |
|---|---|
| Type | Non-Lending Institution |
| Address | LAS VEGAS, NV 89148 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 36 Months |
| Due | Oct 31, 2025 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Jun 20, 2023 |
| Property Address | 2114 DERBY AVE, CAPITOLA, CA 95010-2021 |
| Document Number | 0000010963 |
| Instrument Date | Jun 15, 2023 |
| Instrument | 2023-0010963 |
| Transaction Type | Transfer |
| Record Updated | Jul 05, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 2114 DERBY AVE, CAPITOLA, CA 95010-2021 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Feb 25, 2020 |
| Property Address | 2114 DERBY AVE, CAPITOLA, CA 95010-2021 |
| Document Number | 0000006482 |
| Instrument Date | Feb 07, 2020 |
| Instrument | 6482 |
| Transaction Type | Transfer |
| Record Updated | Mar 11, 2020 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,018.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2114 DERBY AVE CAPITOLA CA 950102021, CAPITOLA, CA 95010-2021 |
| Document Number | 6483 |
|---|---|
| Date | Feb 25, 2020 |
| Instrument | 6483 |
| Name | EXCELERATE CAP |
|---|---|
| Address | NEWPORT BEACH, CA 92660 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 24, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.75% |
Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 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) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,141,690 (+2%) Land $773,891 Building $367,799 | ||
| 2025 | $15,056.00 (+19.26%) Homeowner's exemption | $1,119,304 (+15.11%) Land $758,717 Building $360,587 | |
| 2023 | $12,624.00 (+1.46%) | $972,340 (+2%) Land $729,255 Building $243,085 | $991,440 |
| 2022 | $12,442.00 | $953,275 Land $714,956 Building $238,319 |
Source: FEMA National Flood Hazard Layer as of July 10, 2019 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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, California Internet, Cruzio Internet, T-Mobile USA, Verizon, Xfinity.
Based on FCC filings for 752 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SANTA CRUZ WATER DEPARTMENT serves 94,626 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2022–2024) 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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