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224 Monterey Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 224 Monterey Ave, Capitola, CA 95010 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,510 sqft · built 1979
Lot Size0.128 acres (5,576 sqft)
Owner2 Individual Names on File
Tax Bill$6,448 (2025)
Deeds & MortgagesSep 2021 Transfer
Sep 2017 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN036-111-14

Property Details

APN / Parcel Number

Primary APN036-111-14
Alternative APN
  • 036-111-14-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Building Area2,510 sqft Living Area
Gross Area3,038 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1979
Effective Year BuiltEffective 1979
Construction TypeWood
Roof TypeSawtooth
Roof MaterialComposition Shingle
Lot Area5,576 sqft (0.128 acres)
TerrainSteep
View / LotOcean
Garage TypeAttached
Garage Area528 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address224 MONTEREY AVE
CityCAPITOLA
StateCA
Zip95010-3359
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal SubdivisionCAMP CAPITOLA
Legal BlockN
Legal Lot Number21
JurisdictionSANTA CRUZ CA
Township / Civil DivisionSANTA CRUZ
Census Block Group2
Census Block2000
Census Tract121801

Owner

Source: Santa Cruz County records · APN 036-111-14

Assessment roll updated August 19, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address224 MONTEREY AVE, CAPITOLA, CA 95010-3359
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 22, 2021Intrafamily Transfer, Transfer
Sep 28, 2017Deed of Trust, Mortgage · Conventional Mortgage
MASON MCDUFFIE MORTGAGE CORP
Mar 25, 2020Deed of Trust, Mortgage · Conventional Mortgage
MASON MCDUFFIE MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last Transfer DateSep 08, 2021
Transfer Doc0000048384
Record UpdatedSep 20, 2026

September 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSANTA CRUZ CA
Recording DateSep 22, 2021
Property Address224 MONTEREY AVE, CAPITOLA, CA 95010-3359
Document Number0000048384
Map ReferenceVOL 8 PG 35
Instrument DateSep 08, 2021
Instrument2021-0048384
Transaction TypeTransfer
Record UpdatedJun 07, 2023

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address224 MONTEREY AVE, CAPITOLA, CA 95010-3359

September 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address224 MONTEREY AVE, CAPITOLA, CA 95010-3359
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyFIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000032358
DateSep 28, 2017
Instrument2017-0032358
Lender
NameMASON MCDUFFIE MORTGAGE CORP
TypeMortgage Company
AddressSAN RAMON, CA 94583
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2047

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address224 MONTEREY AVE, CAPITOLA, CA 95010-3359
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000010296
DateMar 25, 2020
Instrument2020-0010296
Lender
NameMASON MCDUFFIE MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2050

Tax Assessment & Valuation

Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 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

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

YearTax BillAssessed ValueAssessed Market Value
2026$468,621 (+2%) Land $182,134 Building $286,487
2025$6,448.00 (+11.23%) Homeowner's exemption$459,432 (+4.04%) Land $178,562 Building $280,870
2023$5,797.00 (+1.63%) Homeowner's exemption$441,592 Land $171,629 Building $269,963$1,142,460
2022$5,704.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060871218012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 24 individual NFIP policies nearby
Nearby Flood Policies40 units insured
16 under condo master policies
Nearby Flood Claims1 (2011)
Most Recent ClaimMar 2011, river or lake flooding

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 822 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
Surfnet CommunicationsFixed Wireless100 / 20
T-Mobile USAFixed Wireless100 / 20

May also be available at this address: AT&T, Cruzio Internet, Xfinity, California Internet, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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