Santa Cruz County property record for 2221 Derby Ave, Capitola, CA 95010
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,227 sqft · built 1963 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,157 (2025) |
| Deeds & Mortgages | Sep 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 034-221-03 |
| Primary APN | 034-221-03 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Building Area | 1,227 sqft Living Area |
| Gross Area | 1,467 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 2008 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 6,534 sqft (0.15 acres) |
| Garage Type | Attached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 2221 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 | 12 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 121701 |
2221 Derby Ave is owned and occupied by two individuals.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2221 DERBY AVE, CAPITOLA, CA 95010-2022 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 2221 DERBY AVE, CAPITOLA, CA 95010-2022 |
| Document Number | 0000029232 |
| Instrument Date | Sep 21, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2019 |
| Title Company | AMROCK TITLE CA INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2221 DERBY AVE CAPITOLA CA 950102022, CAPITOLA, CA 95010-2022 |
| Document Number | 0000029232 |
|---|---|
| Date | Sep 26, 2019 |
| Instrument | 29232 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 25, 2049 |
The 2025 property tax bill for 2221 Derby Ave was $6,157 with a homeowner's exemption.
Source: Santa Cruz County assessment roll, as of August 19, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $432,563 (+2%) Land $185,680 Building $246,883 | ||
| 2025 | $6,157.00 Homeowner's exemption | $424,082 Land $182,039 Building $242,043 | |
| 2023 | $5,537.00 (+1.65%) Homeowner's exemption | $407,614 Land $174,970 Building $232,644 | $997,830 |
| 2022 | $5,447.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2221 Derby 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 risk around 2221 Derby 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.
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 |
| 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.
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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