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221 Monterey Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 221 Monterey Ave, Capitola, CA 95010

Property Summary

Property TypeDuplex
Details4 bd · 2 ba · 1,789 sqft · built 1904
Lot Size0.044 acres (1,917 sqft)
OwnerCompany Name on Record
Last Sale$650,000 (May 2015)
Tax Bill$12,013 (2025)
Deeds & MortgagesMay 2021 Mortgage
Jan 2018 Transfer
Flood ZoneZone X (minimal risk)
APN035-163-15

Property Details

APN / Parcel Number

Primary APN035-163-15
Alternative APN
  • 035-163-15-000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area1,789 sqft Total Area

Exterior

Year BuiltBuilt 1904
Effective Year BuiltEffective 1904
Architectural StyleDuplex Single
Construction TypeWood
Roof MaterialComposition Shingle
Lot Area1,917 sqft (0.044 acres)

Utilities, Heating & Cooling

SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address221 MONTEREY AVE
CityCAPITOLA
StateCA
Zip95010-3398
Property CategoryResidential
Property TypeResidential > Multi-Unit > Duplex
JurisdictionSANTA CRUZ CA
Township / Civil DivisionSANTA CRUZ
Census Block Group2
Census Block2001
Census Tract121801

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 RecordCompany Name on Record
Mailing Address14456 SOBEY RD, SARATOGA, CA 95070-5609
Owner TypeCompany
VestingTrust

Deeds, Mortgages & Sale History

DateDocument
May 17, 2021Deed of Trust, Mortgage · Conventional Mortgage
MORGAN STANLEY BANK NA
Jan 5, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 27, 2015 · Amount on Record
Deed SaleMay 27, 2015 · Amount on Record
Prior SaleSep 25, 2014 · Amount on Record
Deed Document Number201520521
Last Transfer DateDec 28, 2017
Transfer Doc0000000513
Record UpdatedSep 20, 2026

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address221 MONTEREY AVE, CAPITOLA, CA 95010-3398
Transaction TypeMortgage
Record UpdatedJun 8, 2026
Title CompanyBOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address14456 SOBEY RD, SARATOGA, CA 95070-5609

Mortgage

Document Number0000027869
DateMay 17, 2021
Instrument2021-0027869
Lender
NameMORGAN STANLEY BANK NA
TypeBank
AddressCINCINNATI, OH 45245
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2051

January 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSANTA CRUZ CA
Recording DateJan 5, 2018
Property Address221 MONTEREY AVE, CAPITOLA, CA 95010-3398
Document Number0000000513
Instrument DateDec 28, 2017
Instrument513
Transaction TypeTransfer
Record UpdatedJan 23, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
AddressPO BOX 1150 CAPITOLA CA 950101150, CAPITOLA, CA 95010-1150

Tax Assessment & Valuation

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
MunicipalityCapitola City
Secondary School DistrictSanta Cruz City High School District (9-12) (09 - 12)
Elementary School DistrictSoquel Elementary School District (KG - 08)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$872,883 (+2%) Land $582,297 Building $290,586
2025$12,013.00 (+10.18%)$855,767 (+4.04%) Land $570,879 Building $284,888
2023$10,903.00 (+1.51%)$822,537 Land $548,711 Building $273,826
2022$10,741.00

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 24 individual policies
Nearby Flood Policies40 units insured
incl. 16 condo units
Nearby Flood Claims1 (2011)
Most Recent ClaimMar 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 RiskNot 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 SystemSOQUEL CREEK WATER DISTRICT
serves 40,962 people · EPA ID CA4410017
Water SourcePurchased surface water from several systems
Last State InspectionJun 2023
Lead2 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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