2209 Francesco Cir, Capitola, CA 95010 Property Records

Santa Cruz County property record for 2209 Francesco Cir, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,690 sqft · built 1997
Lot Size	0.064 acres (2,788 sqft)
Owner	Individual Name on File
Last Sale	$615,000 (Aug 2001)
Tax Bill	$11,658 (2025)
Deeds & Mortgages	Feb 2017 Mortgage Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`034-541-25`

Property Details

APN / Parcel Number

Primary APN	`034-541-25`
Alternative APN	`034-541-25-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	1,690 sqft Living Area
Gross Area	2,106 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Construction Type	Wood
Roof Material	Tile
Lot Area	2,788 sqft (0.064 acres)
Garage Type	Attached
Garage Area	416 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2209 FRANCESCO CIR
City	CAPITOLA
State	CA
Zip	95010-2079
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 1398 LOT 25
Legal Subdivision	CLARES/WHARF SITE TR 1398
Legal Tract	1398
Legal Lot Number	25
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	3
Census Block	3006
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	Individual Name on File
Mailing Address	2209 FRANCESCO CIR, CAPITOLA, CA 95010-2079
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 8, 2020	Correction Deed · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2001 · Amount on File
Deed Sale	Aug 14, 2001 · Amount on File
Prior Sale	Aug 29, 1997 · Amount on File
Deed Document Number	200151003
Last Transfer Date	Dec 1, 2020
Transfer Doc	0000052714
Record Updated	Sep 20, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	2209 FRANCESCO CIR, CAPITOLA, CA 95010-2079
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004844
Date	Feb 8, 2017
Instrument	2017-0004844

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

December 2020: Correction Deed

Document Type	Correction Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 8, 2020
Property Address	2209 FRANCESCO CIR, CAPITOLA, CA 95010-2079
Document Number	0000052714
Map Reference	VOL 91 PG 12
Instrument Date	Dec 1, 2020
Instrument	2020-0052714
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2209 FRANCESCO CIR, CAPITOLA, CA 95010-2079

Mortgage

Document Number	0000052715
Date	Dec 8, 2020
Instrument	2020-0052715

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

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		$926,719 (+2%) Land $556,032 Building $370,687
2025	$11,658.00 (+9.9%) Homeowner's exemption	$908,548 (+4.04%) Land $545,129 Building $363,419
2023	$10,608.00 (+1.21%) Homeowner's exemption	$873,268 Land $523,961 Building $349,307	$1,494,630
2022	$10,481.00

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	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 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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