Santa Cruz County property record for 2205 Derby Ave, Capitola, CA 95010
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,458 sqft · built 1964 |
| Lot Size | 0.145 acres (6,316 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $505,000 (Apr 2009) |
| Tax Bill | $8,805 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 034-221-08 |
| Primary APN | 034-221-08 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,458 sqft Living Area |
| Gross Area | 1,898 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 6,316 sqft (0.145 acres) |
| Terrain | Steep |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 2205 DERBY AVE |
|---|---|
| City | CAPITOLA |
| State | CA |
| Zip | 95010-2022 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TRACT 268 LOT 8 |
| Legal Subdivision | DARES COURT SUB TR #268 |
| Legal Tract | 268 |
| Legal Lot Number | 8 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 121701 |
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 Individual Names on Record |
|---|---|
| Mailing Address | 2205 DERBY AVE, CAPITOLA, CA 95010-2022 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 29, 2009 · Amount on Record |
| Deed Sale | Apr 29, 2009 · Amount on Record |
| Prior Sale | Jun 14, 2005 · Amount on Record |
| Deed Document Number | 200918598 |
| Prior Transfer Date | Sep 8, 1997 |
| Prior Transfer Doc | 0000041861 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 2205 DERBY AVE, CAPITOLA, CA 95010-2022 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000018925 |
|---|---|
| Date | Jun 2, 2020 |
| Instrument | 2020-0018925 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 1, 2035 |
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 | $663,330 (+2%) Land $433,463 Building $229,867 | ||
| 2025 | $8,805.00 (+10.32%) | $650,322 (+4.04%) Land $424,963 Building $225,359 | |
| 2023 | $7,981.00 (+1.35%) | $625,069 Land $408,461 Building $216,608 | $1,093,860 |
| 2022 | $7,875.00 |
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 | 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 |
| 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 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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