Santa Cruz County property record for 213 Cortez St, Capitola, CA 95010
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,305 sqft · built 1967 |
| Lot Size | 0.178 acres (7,754 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,925,000 (Apr 2026) |
| Tax Bill | $15,335 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Aug 2022 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 036-226-01 |
| Primary APN | 036-226-01 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Building Area | 2,305 sqft Living Area |
| Gross Area | 2,742 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 2010 |
| Construction Type | Wood |
| Roof Type | Sawtooth |
| Roof Material | Composition Shingle |
| Lot Area | 7,754 sqft (0.178 acres) |
| Garage Type | Attached |
| Garage Area | 437 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 213 CORTEZ ST |
|---|---|
| City | CAPITOLA |
| State | CA |
| Zip | 95010-2313 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | CLIFFWOOD HEIGHTS |
| Legal Lot Number | 77 |
| 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 are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 213 CORTEZ ST, CAPITOLA, CA 95010-2313 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| Jul 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TRUE PATH LOANS INC |
| Aug 11, 2022 | Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB |
| Apr 30, 2026 | Grant Deed, Transfer · Conventional Mortgage MASON MCDUFFIE MORTGAGE CORPORATION |
| Mar 7, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| May 1, 2020 | Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 30, 2026 · Amount on Record |
| Deed Sale | Apr 30, 2026 · Amount on Record |
| Prior Sale | May 1, 2020 · Amount on Record |
| Deed Document Number | 20269767 |
| Prior Transfer Date | Mar 2, 2022 |
| Prior Transfer Doc | 0000007429 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 213 CORTEZ ST, CAPITOLA, CA 95010-2313 |
| Transaction Type | Mortgage |
| Record Updated | May 20, 2026 |
| Title Company | FIRST AMERICAN TITLE COMPANY SUBDIV, FIRST AMER TTL CO RES DIV |
| Name | Verified Name |
|---|---|
| Address | 213 CORTEZ ST, CAPITOLA, CA 95010-2313 |
| Document Number | 0000039673 |
|---|---|
| Date | Jul 28, 2021 |
| Instrument | 2021-0039673 |
| Name | TRUE PATH LOANS INC |
|---|---|
| Type | Non-Lending Institution |
| Address | IRVINE, CA 92618 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 213 CORTEZ ST, CAPITOLA, CA 95010-2313 |
| Transaction Type | Mortgage |
| Record Updated | May 20, 2026 |
| Name | Verified Name |
|---|---|
| Address | 213 CORTEZ ST, CAPITOLA, CA 95010-2313 |
| Document Number | 0000022946 |
|---|---|
| Date | Aug 11, 2022 |
| Instrument | 2022-0022946 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Apr 30, 2026 |
| Property Address | 213 CORTEZ ST, CAPITOLA, CA 95010-2313 |
| Document Number | 0000009767 |
| Instrument Date | Apr 16, 2026 |
| Instrument | 20269767 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2026 |
| Title Company | REPUBLIC TITLE COMPANY, OLD REPUBLIC TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $213,867.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 213 CORTEZ ST, CAPITOLA, CA 95010-2313 |
| Investor | Possibly a Property Investor |
| Document Number | 0000009768, |
|---|---|
| Date | Apr 30, 2026 |
| Instrument | 20269768 |
| Name | MASON MCDUFFIE MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Mar 7, 2022 |
| Property Address | 213 CORTEZ ST, CAPITOLA, CA 95010-2313 |
| Document Number | 0000007429 |
| Map Reference | VOL 45 PG 12 |
| Instrument Date | Mar 2, 2022 |
| Instrument | 2022-0007429 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2022 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 213 CORTEZ ST, CAPITOLA, CA 95010-2313 |
| Document Number | 0000007430 |
|---|---|
| Date | Mar 7, 2022 |
| Instrument | 2022-0007430 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | May 1, 2020 |
| Property Address | 213 CORTEZ ST, CAPITOLA, CA 95010-2313 |
| Document Number | 0000015108 |
| Map Reference | VOL 45 PG 12 |
| Instrument Date | Apr 23, 2020 |
| Instrument | 2020-0015108 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 213 CORTEZ ST, CAPITOLA, CA 95010-2313 |
| Document Number | 0000015109 |
|---|---|
| Date | May 1, 2020 |
| Instrument | 2020-0015109 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2050 |
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 | $1,257,024 (+2%) Land $842,552 Building $414,472 | ||
| 2025 | $15,335.00 (+7.23%) Homeowner's exemption | $1,232,376 (+8.65%) Land $826,031 Building $406,345 | |
| 2024 | $14,301.00 (+6.33%) | ||
| 2023 | $13,450.00 (+1.11%) Homeowner's exemption | $1,134,221 Land $793,955 Building $340,266 | $1,169,550 |
| 2022 | $13,303.00 |
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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