307 Hill St, Capitola, CA 95010 Property Records

Santa Cruz County property record for 307 Hill St, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,666 sqft · built 1930
Lot Size	0.346 acres (15,072 sqft)
Owner	Trust Name on File
Last Sale	$785,000 (Oct 2004)
Tax Bill	$14,666 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Apr 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`036-501-04`

Property Details

APN / Parcel Number

Primary APN	`036-501-04`
Alternative APN	`036-501-04-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,666 sqft Living Area
Gross Area	2,115 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 2007
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	15,072 sqft (0.346 acres)
Garage Type	Attached
Garage Area	449 sqft
Parking Spaces	2 Parking Spaces
Deck Area	610 sqft
Patio Area	610 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	307 HILL ST
City	CAPITOLA
State	CA
Zip	95010-3602
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1006
Census Tract	121802

Owner

307 Hill St is owner-occupied and held in a trust since May 2008.

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

Owner of Record	Trust Name on File
Mailing Address	307 HILL ST, CAPITOLA, CA 95010-3602
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Dec 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Apr 6, 2017	Deed of Trust, Mortgage · Line of Credit MUFG UNION BANK NA
Dec 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2004 · Amount on File
Deed Sale	Oct 28, 2004 · Amount on File
Deed Document Number	200477084
Last Transfer Date	May 6, 2008
Transfer Doc	0000020915
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	307 HILL ST, CAPITOLA, CA 95010-3602
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	307 HILL ST, CAPITOLA, CA 95010-3602

Mortgage

Document Number	0000053734
Date	Dec 14, 2020
Instrument	2020-0053734

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 1, 2035

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	307 HILL ST, CAPITOLA, CA 95010-3602
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011499
Date	Apr 6, 2017
Instrument	2017-0011499

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	307 HILL ST, CAPITOLA, CA 95010-3602
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	307 HILL ST, CAPITOLA, CA 95010-3602

Mortgage

Document Number	0000051744
Date	Dec 3, 2020
Instrument	2020-0051744

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 307 Hill St was $14,666.

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		$1,189,775 (+2%) Land $759,296 Building $430,479
2025	$14,666.00	$1,166,446 Land $744,408 Building $422,038
2023	$13,384.00 (+1.1%)	$1,121,151 Land $715,501 Building $405,650	$1,199,430
2022	$13,239.00

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

Flood

FEMA maps place 307 Hill St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (2023)
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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

Wildfire risk around 307 Hill St 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	SOQUEL CREEK WATER DISTRICT serves 40,962 people · EPA ID CA4410017
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
Lead	2 ppb (2023–2025) 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 757 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
Verizon Fixed Wireless	300 / 20
Surfnet Communications Fixed Wireless	100 / 20

May also be available: AT&T, Cruzio, T-Mobile, Xfinity.

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