220 Capitola Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 220 Capitola Ave, Capitola, CA 95010

Property Summary

Property Type	Store with Apartments
Details	2 bd · 2 ba · 2,058 sqft · built 1935
Lot Size	0.024 acres (1,045 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,600,000 (Aug 2022)
Tax Bill	$32,954 (2025)
Deeds & Mortgages	Aug 2022 Transfer Aug 2022 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`035-183-12`

Property Details

APN / Parcel Number

Primary APN	`035-183-12`
Alternative APN	`035-183-12-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,058 sqft Gross Area
1st Floor Area	2,058 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1985
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Roof Material	Composition Shingle
Lot Area	1,045 sqft (0.024 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	220 CAPITOLA AVE
City	CAPITOLA
State	CA
Zip	95010-3205
Property Category	Commercial
Property Type	Commercial > Retail > Store with Apartments
Legal Subdivision	CAPITOLA 08
Legal Lot Number	1
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2021
Census Tract	121801

Owner

Source: Santa Cruz County records, as of October 12, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	4508 PEBBLE BEACH DR, STOCKTON, CA 95219-1909
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2022	Intrafamily Transfer, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY
Aug 5, 2022	Grant Deed, Transfer · Stand-Alone First Mortgage BANK OF STOCKTON
Mar 9, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST
Jun 28, 2019	Grant Deed, Transfer OLD REPUBLIC TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2022 · Amount on Record
Deed Sale	Aug 5, 2022 · Amount on Record
Prior Sale	Jun 28, 2019 · Amount on Record
Deed Document Number	202222582
Prior Transfer Date	Jul 29, 2022
Prior Transfer Doc	0000022581
Record Updated	Oct 29, 2026

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 5, 2022
Property Address	220 CAPITOLA AVE, CAPITOLA, CA 95010-3205
Document Number	0000022581
Map Reference	MB 18 PG 36
Instrument Date	Aug 1, 2022
Instrument	2022-0022581
Transaction Type	Transfer
Record Updated	Aug 17, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC 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
Address	4508 PEBBLE BEACH DR, STOCKTON, CA 95219-1909

August 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 5, 2022
Property Address	220 CAPITOLA AVE, CAPITOLA, CA 95010-3205
Document Number	0000022582
Map Reference	MB 18 PG 36
Instrument Date	Jul 26, 2022
Instrument	2022-0022582
Transaction Type	Transfer
Record Updated	Aug 17, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,860.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4508 PEBBLE BEACH DR, STOCKTON, CA 95219-1909

Mortgage

Document Number	0000022583
Date	Aug 5, 2022
Instrument	2022-0022583

Lender

Name	BANK OF STOCKTON
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	220 CAPITOLA AVE, CAPITOLA, CA 95010-3205
Document Number	0000010565
Instrument Date	Mar 9, 2020
Transaction Type	Mortgage
Record Updated	Apr 29, 2020
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	200 PINE TREE LN GLENBROOK NV 89413, GLENBROOK, NV 89413

Mortgage

Document Number	0000010565
Date	Mar 27, 2020
Instrument	10565

Lender

Name	BANK OF THE WEST
Type	Bank
Address	RENO, NV 89509

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 28, 2019
Property Address	220 CAPITOLA AVE, CAPITOLA, CA 95010-3205
Document Number	0000017846
Instrument Date	Jun 27, 2019
Instrument	17846
Transaction Type	Transfer
Record Updated	Jul 9, 2019
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Tax	$1,375.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	PO BOX 568 GLENBROOK NV 894130568, GLENBROOK, NV 89413-0568

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
2026		$2,759,140 (+2%) Land $2,212,618 Building $546,522
2025	$32,954.00 (+8.96%)	$2,705,040 (+4.04%) Land $2,169,234 Building $535,806
2023	$30,244.00 (+107.18%)	$2,600,000 Land $2,085,000 Building $515,000
2022	$14,598.00

Assessed value is set for property tax purposes and is not a market price estimate.

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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.

Cell Coverage

5G (outdoors only) and 4G LTE

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