2221 42nd Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 2221 42nd Ave, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,080 sqft · built 1964
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Feb 2009)
Tax Bill	$8,717 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Mar 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`034-223-02`

Property Details

APN / Parcel Number

Primary APN	`034-223-02`
Alternative APN	`034-223-02-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,080 sqft Living Area

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Construction Type	Wood
Lot Area	6,098 sqft (0.14 acres)

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2221 42ND AVE
City	CAPITOLA
State	CA
Zip	95010-2012
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	TRACT #287
Legal Lot Number	6
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	3
Census Block	3001
Census Tract	121701

Owner

2221 42nd Ave is owned and occupied by two individuals who bought it in February 2009.

Source: Santa Cruz County records, as of August 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2221 42ND AVE, CAPITOLA, CA 95010-2012
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
May 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Sep 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Feb 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 4, 2009 · Amount on File
Deed Sale	Feb 4, 2009 · Amount on File
Prior Sale	Jul 5, 2002 · Amount on File
Deed Document Number	20094109
Prior Transfer Date	Jan 22, 2009
Prior Transfer Doc	0000004108
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	2221 42ND AVE, CAPITOLA, CA 95010-2012
Transaction Type	Mortgage
Record Updated	Apr 12, 2022
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2221 42ND AVE, CAPITOLA, CA 95010-2012

Mortgage

Document Number	0000010478
Date	Apr 1, 2022
Instrument	2022-0010478

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	2221 42ND AVE, CAPITOLA, CA 95010-2012
Transaction Type	Mortgage
Record Updated	Mar 17, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2221 42ND AVE, CAPITOLA, CA 95010-2012

Mortgage

Document Number	0000013045
Date	Mar 3, 2021
Instrument	2021-0013045

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	2221 42ND AVE, CAPITOLA, CA 95010-2012
Document Number	0000018249
Instrument Date	May 22, 2020
Transaction Type	Mortgage
Record Updated	Jun 11, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2221 42ND AVE CAPITOLA CA 950102012, CAPITOLA, CA 95010-2012

Mortgage

Document Number	0000018249
Date	May 28, 2020
Instrument	18249

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	324 Months
Due	May 27, 2047

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	2221 42ND AVE, CAPITOLA, CA 95010-2012
Document Number	0000030263
Instrument Date	Sep 27, 2019
Transaction Type	Mortgage
Record Updated	Oct 18, 2019
Title Company	AMROCK TITLE CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2221 42ND AVE CAPITOLA CA 950102012, CAPITOLA, CA 95010-2012

Mortgage

Document Number	0000030263
Date	Oct 3, 2019
Instrument	30263

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 2, 2049

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	2221 42ND AVE, CAPITOLA, CA 95010-2012
Document Number	0000005431
Instrument Date	Feb 3, 2017
Transaction Type	Mortgage
Record Updated	Mar 9, 2017
Title Company	TSI TITLE COMPANY, TSI TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2221 42ND AVE CAPITOLA CA 950102012, CAPITOLA, CA 95010-2012

Mortgage

Document Number	0000005431
Date	Feb 14, 2017
Instrument	5431

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 13, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 2221 42nd Ave was $8,717.

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		$655,449 (+2%) Land $458,420 Building $197,029
2025	$8,717.00	$642,596 Land $449,431 Building $193,165
2023	$7,901.00 (+1.36%)	$617,643 Land $431,979 Building $185,664	$918,540
2022	$7,795.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2221 42nd Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 2221 42nd Ave is low, with a 0.01% annual chance of 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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