328 Monterey Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 328 Monterey Ave, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 948 sqft · built 1947
Lot Size	0.094 acres (4,095 sqft)
Owner	2 Individual Names on Record
Last Sale	$224,000 (Aug 1997)
Tax Bill	$5,691 (2025)
Deeds & Mortgages	Jul 2021 Transfer Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`036-091-14`

Property Details

APN / Parcel Number

Primary APN	`036-091-14`
Alternative APN	`036-091-14-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	948 sqft Living Area
Gross Area	1,221 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Construction Type	Wood
Roof Material	Other
Lot Area	4,095 sqft (0.094 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	273 sqft
Parking Spaces	1 Parking Space
Deck Area	248 sqft
Patio Area	248 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	328 MONTEREY AVE
City	CAPITOLA
State	CA
Zip	95010-3726
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLK A LOT 18
Legal Subdivision	MCCORMICKS ADD
Legal Block	A
Legal Lot Number	18
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1015
Census Tract	121801

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	328 MONTEREY AVE, CAPITOLA, CA 95010-3726
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2021	Intrafamily Transfer, Transfer AMROCK TITLE CA
Jul 19, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 1997 · Amount on Record
Deed Sale	Aug 21, 1997 · Amount on Record
Deed Document Number	199738113
Last Transfer Date	Jun 18, 2021
Transfer Doc	0000038016
Record Updated	Sep 20, 2026

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 19, 2021
Property Address	328 MONTEREY AVE, CAPITOLA, CA 95010-3726
Document Number	0000038018
Map Reference	MB 18 PG 62
Instrument Date	Jun 18, 2021
Instrument	2021-0038018
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	AMROCK TITLE CA

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	328 MONTEREY AVE, CAPITOLA, CA 95010-3726

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 19, 2021
Property Address	328 MONTEREY AVE, CAPITOLA, CA 95010-3726
Document Number	0000038016
Map Reference	MB 18 PG 62
Instrument Date	Jun 18, 2021
Instrument	2021-0038016
Transaction Type	Transfer
Record Updated	Jul 28, 2021
Title Company	AMROCK TITLE CA INC, AMROCK TITLE CA

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	328 MONTEREY AVE, CAPITOLA, CA 95010-3726

Mortgage

Document Number	0000038017
Date	Jul 19, 2021
Instrument	2021-0038017

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

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		$390,750 (+2%) Land $218,666 Building $172,084
2025	$5,691.00 (+11.41%) Homeowner's exemption	$383,089 (+4.04%) Land $214,379 Building $168,710
2023	$5,108.00 (+1.75%) Homeowner's exemption	$368,213 Land $206,054 Building $162,159	$968,940
2022	$5,020.00

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

Flood

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

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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