Santa Cruz County property record for 325 Loma Ave, Capitola, CA 95010
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 554 sqft · built 1949 |
| Lot Size | 0.09 acres (3,920 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $675,000 (Apr 2004) |
| Tax Bill | $2,245 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 036-091-19 |
| Primary APN | 036-091-19 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Building Area | 554 sqft Living Area |
| Gross Area | 796 sqft |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 3,920 sqft (0.09 acres) |
| Terrain | Steep |
| Garage Type | Attached |
| Garage Area | 242 sqft |
| Parking Spaces | 1 Parking Space |
| Sewer | Municipal |
|---|---|
| Water Source | Commercial |
| Street Address | 325 LOMA AVE |
|---|---|
| City | CAPITOLA |
| State | CA |
| Zip | 95010-3701 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | MCCORMICKS ADD |
| Legal Block | A |
| Legal Lot Number | 15 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 121801 |
325 Loma Ave is owned and occupied by two individuals who bought it in April 2004.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 325 LOMA AVE, CAPITOLA, CA 95010-3701 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
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 |
|---|---|
| Last Sale | Apr 13, 2004 · Amount on File |
| Deed Sale | Apr 13, 2004 · Amount on File |
| Deed Document Number | 200424426 |
| Prior Transfer Date | Dec 15, 1993 |
| Prior Transfer Doc | 0000094565 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 325 LOMA AVE, CAPITOLA, CA 95010-3701 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 325 LOMA AVE, CAPITOLA, CA 95010-3701 |
| Document Number | 0000036968 |
|---|---|
| Date | Sep 18, 2020 |
| Instrument | 2020-0036968 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Oct 1, 2049 |
The 2025 property tax bill for 325 Loma Ave was $2,245 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 | $81,190 (+2%) Land $20,372 Building $60,818 | ||
| 2025 | $2,245.00 Homeowner's exemption | $79,598 Land $19,973 Building $59,625 | |
| 2023 | $1,931.00 (+3.48%) Homeowner's exemption | $76,507 Land $19,197 Building $57,310 | $1,005,840 |
| 2022 | $1,866.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 325 Loma Ave 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
| 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 |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 325 Loma 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 | 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 |
| 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 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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