2117 Derby Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 2117 Derby Ave, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,092 sqft · built 1962
Lot Size	0.141 acres (6,142 sqft)
Owner	2 Individual Names on File
Last Sale	$600,000 (Dec 2013)
Tax Bill	$9,868 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jan 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`034-221-14`

Property Details

APN / Parcel Number

Primary APN	`034-221-14`
Alternative APN	`034-221-14-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,092 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Bungalow
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	6,142 sqft (0.141 acres)
Garage Type	Attached
Deck Area	300 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2117 DERBY AVE
City	CAPITOLA
State	CA
Zip	95010-2020
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 268 LOT 5
Legal Subdivision	CLARES COURT SUB TR #268
Legal Tract	268
Legal Lot Number	5
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	3
Census Block	3001
Census Tract	121701

Owner

2117 Derby Ave is owned and occupied by two individuals who bought it in December 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	2117 DERBY AVE, CAPITOLA, CA 95010-2020
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Sep 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Jan 11, 2022	Intrafamily Transfer, Transfer
Dec 9, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2013 · Amount on File
Deed Sale	Dec 13, 2013 · Amount on File
Prior Sale	Mar 9, 2010 · Amount on File
Deed Document Number	201356556
Prior Transfer Date	Oct 4, 1996
Prior Transfer Doc	0000057048
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	2117 DERBY AVE, CAPITOLA, CA 95010-2020
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2117 DERBY AVE, CAPITOLA, CA 95010-2020

Mortgage

Document Number	0000048392
Date	Sep 22, 2021
Instrument	2021-0048392

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 11, 2022
Property Address	2117 DERBY AVE, CAPITOLA, CA 95010-2020
Document Number	0000001042
Map Reference	MB 37 PG 9
Instrument Date	Dec 16, 2021
Instrument	2022-0001042
Transaction Type	Transfer
Record Updated	Jun 7, 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
Relationship	Family Trust
Address	2117 DERBY AVE, CAPITOLA, CA 95010-2020

December 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 9, 2019
Property Address	2117 DERBY AVE, CAPITOLA, CA 95010-2020
Document Number	0000038674
Map Reference	MB 37 PG 9
Instrument Date	Dec 3, 2019
Instrument	2019-0038674
Transaction Type	Transfer
Record Updated	Jul 25, 2022
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
Relationship	Community Property with Right of Survivorship
Address	2117 DERBY AVE, CAPITOLA, CA 95010-2020

Mortgage

Document Number	0000038675
Date	Dec 9, 2019
Instrument	2019-0038675

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 2117 Derby Ave was $9,868 with a homeowner's exemption, up 7.6% from the year before.

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		$758,752 (+2%) Land $450,137 Building $308,615
2025	$9,868.00 (+7.56%)	$743,874 Land $441,311 Building $302,563
2024	$9,174.00 (+2.38%)
2023	$8,961.00 (+1.29%)	$714,989 Land $424,174 Building $290,815	$1,010,250
2022	$8,847.00

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

Flood

FEMA maps place 2117 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 2117 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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