2210 Derby Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 2210 Derby Ave, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,218 sqft · built 1964
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Company Names on Record
Last Sale	$665,000 (Aug 2016)
Tax Bill	$10,105 (2025)
Deeds & Mortgages	Aug 2025 Mortgage May 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`034-223-07`

Property Details

APN / Parcel Number

Primary APN	`034-223-07`
Alternative APN	`034-223-07-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,218 sqft Living Area
Gross Area	2,654 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Conventional
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Other
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	436 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2210 DERBY AVE
City	CAPITOLA
State	CA
Zip	95010-2023
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TR 268
Legal Subdivision	CLARES COURT SUB TR #266
Legal Tract	268
Legal Lot Number	16
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	2210 DERBY AVE, CAPITOLA, CA 95010-2023
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2025	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
May 28, 2021	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST
Oct 26, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST
Jun 11, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF WEST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2016 · Amount on Record
Deed Sale	Aug 26, 2016 · Amount on Record
Prior Sale	Jul 28, 2004 · Amount on Record
Deed Document Number	201631746
Prior Transfer Date	Jun 26, 2015
Prior Transfer Doc	0000029415
Record Updated	Sep 20, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	2210 DERBY AVE, CAPITOLA, CA 95010-2023
Transaction Type	Mortgage
Record Updated	Sep 26, 2025
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2210 DERBY AVE, CAPITOLA, CA 95010-2023

Mortgage

Document Number	0000017686
Date	Aug 22, 2025
Instrument	2025-0017686

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Sep 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.2%
Index	SOFR Average 30-Day
Max Rate	11.2%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	2210 DERBY AVE, CAPITOLA, CA 95010-2023
Transaction Type	Mortgage
Record Updated	Jun 11, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2222 E CLIFF DR 200, 200, SANTA CRUZ, CA 95062-4739

Mortgage

Document Number	0000029967
Date	May 28, 2021
Instrument	2021-0029967

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	2210 DERBY AVE, CAPITOLA, CA 95010-2023
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2210 DERBY AVE, CAPITOLA, CA 95010-2023

Mortgage

Document Number	0000043790
Date	Oct 26, 2020
Instrument	2020-0043790

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	2210 DERBY AVE, CAPITOLA, CA 95010-2023
Document Number	0000019348
Instrument Date	Jun 11, 2018
Transaction Type	Mortgage
Record Updated	Jul 16, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2210 DERBY AVE CAPITOLA CA 950102023, CAPITOLA, CA 95010-2023

Mortgage

Document Number	0000019348
Date	Jun 26, 2018
Instrument	19348

Lender

Name	BANK OF WEST
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2048

Interest

Rate Type	Adjustable Rate

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		$1,056,506 (+36.89%) Land $551,058 Building $505,448
2025	$10,105.00 (+10.11%) Homeowner's exemption	$771,790 (+4.04%) Land $540,253 Building $231,537
2023	$9,177.00 (+1.29%) Homeowner's exemption	$741,820 Land $519,274 Building $222,546	$900,180
2022	$9,060.00

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.

Nearby Properties on Derby Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures