218 Monterey Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 218 Monterey Ave, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,155 sqft · built 1932
Lot Size	0.049 acres (2,134 sqft)
Owner	2 Trust Names on Record
Last Sale	$325,000 (Jul 1997)
Tax Bill	$7,234 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Mar 2021 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`036-113-01`

Property Details

APN / Parcel Number

Primary APN	`036-113-01`
Alternative APN	`036-113-01-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	1,155 sqft Living Area

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	2,134 sqft (0.049 acres)
View / Lot	Ocean

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	218 MONTEREY AVE
City	CAPITOLA
State	CA
Zip	95010-3359
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	SOQUEL RHO
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2000
Census Tract	121801

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Trust Names on Record
Mailing Address	218 MONTEREY AVE, CAPITOLA, CA 95010-3359
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2022	Deed of Trust, Mortgage · Line of Credit COMERICA BANK
Mar 9, 2021	Intrafamily Transfer, Transfer STEWART TITLE OF CA INC
Mar 8, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Jun 4, 2020	Deed of Trust, Mortgage · Line of Credit COMERICA BANK
May 15, 2018	Quit Claim Deed, Transfer STEWART TITLE
May 14, 2018	Intrafamily Transfer, Transfer · ARM FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 1997 · Amount on Record
Deed Sale	Jul 9, 1997 · Amount on Record
Prior Sale	May 3, 1994 · Amount on Record
Deed Document Number	199730698
Last Transfer Date	Mar 3, 2021
Transfer Doc	0000014008
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	218 MONTEREY AVE, CAPITOLA, CA 95010-3359
Transaction Type	Mortgage
Record Updated	Oct 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	218 MONTEREY AVE, CAPITOLA, CA 95010-3359

Mortgage

Document Number	0000026276
Date	Sep 20, 2022
Instrument	2022-0026276

Lender

Name	COMERICA BANK
Type	Bank
Address	DALLAS, TX 75201

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 20, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 9, 2021
Property Address	218 MONTEREY AVE, CAPITOLA, CA 95010-3359
Document Number	0000014008
Instrument Date	Mar 3, 2021
Instrument	2021-0014008
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	STEWART TITLE OF CA INC

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	Revocable Trust
Address	218 MONTEREY AVE, CAPITOLA, CA 95010-3359

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 8, 2021
Property Address	218 MONTEREY AVE, CAPITOLA, CA 95010-3359
Document Number	0000013744
Instrument Date	Feb 24, 2021
Instrument	2021-0013744
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	STEWART TITLE OF CA INC

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	Joint Tenants
Address	218 MONTEREY AVE, CAPITOLA, CA 95010-3359

Mortgage

Document Number	0000013745
Date	Mar 8, 2021
Instrument	2021-0013745

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	218 MONTEREY AVE, CAPITOLA, CA 95010-3359
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019267
Date	Jun 4, 2020
Instrument	2020-0019267

Lender

Name	COMERICA BANK
Type	Bank
Address	DALLAS, TX 75201

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 15, 2018
Property Address	218 MONTEREY AVE, CAPITOLA, CA 95010-3359
Document Number	0000014488
Instrument Date	May 14, 2018
Instrument	14488
Transaction Type	Transfer
Record Updated	Jun 1, 2018
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	218 MONTEREY AVE CAPITOLA CA 950103359, CAPITOLA, CA 95010-3359

May 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	May 14, 2018
Property Address	218 MONTEREY AVE, CAPITOLA, CA 95010-3359
Document Number	0000014436
Instrument Date	May 15, 2000
Instrument	2018-0014436
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	STEWART TITLE OF CALIFORNIA

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	Joint Tenants
Address	218 MONTEREY AVE, CAPITOLA, CA 95010-3359

Mortgage

Document Number	0000014437
Date	May 14, 2018
Instrument	2018-0014437

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Jun 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.12%
Index	1-Year LIBOR
Max Rate	9.12%

Tax Assessment & Valuation

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		$529,338 (+2%) Land $407,180 Building $122,158
2025	$7,234.00 (+10.78%) Homeowner's exemption	$518,959 (+4.04%) Land $399,196 Building $119,763
2023	$6,530.00 (+1.51%) Homeowner's exemption	$498,807 Land $383,695 Building $115,112	$1,055,070
2022	$6,433.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 24 individual policies
Nearby Flood Policies	40 units insured incl. 16 condo units
Nearby Flood Claims	1 (2011)
Most Recent Claim	Mar 2011 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	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

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 822 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Surfnet Communications Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Cruzio, GeoLinks, Xfinity.

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