340 Bay Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 340 Bay Ave, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,915 sqft · built 1975
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Company Names on Record
Last Sale	$1,060,000 (Sep 2019)
Tax Bill	$15,647 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Oct 2019 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`036-072-40`

Property Details

APN / Parcel Number

Primary APN	`036-072-40`
Alternative APN	`036-072-40-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,915 sqft Living Area
Gross Area	2,395 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	340 BAY AVE
City	CAPITOLA
State	CA
Zip	95010-3301
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PARCEL MAPS 19 PG 17
Legal Subdivision	PM19 17
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1012
Census Tract	121802

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 Company Names on Record
Mailing Address	340 BAY AVE, CAPITOLA, CA 95010-3301
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage ARCHIE & ROBIN WHITELEY
Sep 12, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 12, 2019	Grant Deed, Transfer OLD REPUBLIC TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2019 · Amount on Record
Deed Sale	Sep 12, 2019 · Amount on Record
Prior Sale	Apr 18, 1997 · Amount on Record
Deed Document Number	201927201
Prior Transfer Date	Jan 5, 1997
Prior Transfer Doc	0000004832
Record Updated	Oct 29, 2026

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 2, 2021
Property Address	340 BAY AVE, CAPITOLA, CA 95010-3301
Document Number	0000018999
Map Reference	MB 19 PG 17
Instrument Date	Jun 1, 2020
Instrument	2021-0018999
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE INS CO

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
Address	340 BAY AVE, CAPITOLA, CA 95010-3301

Mortgage

Document Number	0000019000
Date	Apr 2, 2021
Instrument	2021-0019000

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Jul 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	340 BAY AVE, CAPITOLA, CA 95010-3301
Document Number	0000001061
Instrument Date	Oct 1, 2019
Transaction Type	Mortgage
Record Updated	Jan 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	340 BAY AVE CAPITOLA CA 950103301, CAPITOLA, CA 95010-3301

Mortgage

Document Number	0000001061
Date	Jan 10, 2020
Instrument	1061

Lender

Name	ARCHIE & ROBIN WHITELEY
Address	2070 CAMP JOY RD, GRANTS PASS, OR 97526

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 9, 2030

September 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 12, 2019
Property Address	340 BAY AVE, CAPITOLA, CA 95010-3301
Document Number	0000027202
Map Reference	MB 19 PG 17
Instrument Date	Sep 10, 2019
Instrument	2019-0027202
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE

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
Address	340 BAY AVE, CAPITOLA, CA 95010-3301

Mortgage

Document Number	0000027203
Date	Sep 12, 2019
Instrument	2019-0027203

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 12, 2019
Property Address	340 BAY AVE, CAPITOLA, CA 95010-3301
Document Number	0000027201
Map Reference	MB 19 PG 17
Instrument Date	Sep 3, 2019
Instrument	2019-0027201
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	340 BAY AVE, CAPITOLA, CA 95010-3301

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		$1,196,246 (+2%) Land $851,364 Building $344,882
2025	$15,647.00 (+18.25%) Homeowner's exemption	$1,172,790 (+5.25%) Land $834,671 Building $338,119
2023	$13,232.00 (+1.11%) Homeowner's exemption	$1,114,249 Land $802,259 Building $311,990	$1,058,760
2022	$13,087.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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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