2209 Derby Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 2209 Derby Ave, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,456 sqft · built 1962
Lot Size	0.144 acres (6,273 sqft)
Owner	2 Individual Names on Record
Last Sale	$447,100 (Aug 2009)
Tax Bill	$7,974 (2025)
Deeds & Mortgages	Oct 2019 Line of Credit Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`034-221-07`

Property Details

APN / Parcel Number

Primary APN	`034-221-07`
Alternative APN	`034-221-07-000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,456 sqft Living Area
Gross Area	1,706 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Construction Type	Wood
Roof Material	Other
Lot Area	6,273 sqft (0.144 acres)
Garage Type	Attached
Garage Area	250 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2209 DERBY AVE
City	CAPITOLA
State	CA
Zip	95010-2022
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR 268
Legal Subdivision	CLARES COURT SUB TR #268
Legal Tract	268
Legal Lot Number	9
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	3
Census Block	3001
Census Tract	121701

Owner

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	2209 DERBY AVE, CAPITOLA, CA 95010-2022
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2019	Deed of Trust, Mortgage · Line of Credit FREMONT BANK
Aug 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2009 · Amount on Record
Deed Sale	Aug 3, 2009 · Amount on Record
Prior Sale	Dec 12, 2008 · Amount on Record
Deed Document Number	200937073
Prior Transfer Date	Feb 22, 1996
Prior Transfer Doc	0000010875
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	2209 DERBY AVE, CAPITOLA, CA 95010-2022
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033518
Date	Oct 30, 2019
Instrument	2019-0033518

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	2209 DERBY AVE, CAPITOLA, CA 95010-2022
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK TITLE CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2209 DERBY AVE, CAPITOLA, CA 95010-2022

Mortgage

Document Number	0000032378
Date	Aug 24, 2020
Instrument	2020-0032378

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2035

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		$588,671 (+2%) Land $378,008 Building $210,663
2025	$7,974.00 (+10.52%)	$577,128 (+4.04%) Land $370,596 Building $206,532
2023	$7,215.00 (+1.42%)	$554,717 Land $356,205 Building $198,512	$1,056,690
2022	$7,114.00

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

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

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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