3515 Deanes Ln, Capitola, CA 95010 Property Records

Santa Cruz County property record for 3515 Deanes Ln, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,218 sqft · built 1990
Lot Size	0.137 acres (5,968 sqft)
Owner	2 Trust Names on File
Last Sale	$850,000 (Mar 2005)
Tax Bill	$14,875 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Dec 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`034-412-39`

Property Details

APN / Parcel Number

Primary APN	`034-412-39`
Alternative APN	`034-412-39-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	2,218 sqft Living Area
Gross Area	2,662 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	5,968 sqft (0.137 acres)
Garage Type	Attached
Garage Area	444 sqft
Parking Spaces	2 Parking Spaces
Deck Area	257 sqft
Patio Area	257 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3515 DEANES LN
City	CAPITOLA
State	CA
Zip	95010-2532
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR 1256
Legal Subdivision	DEANES LANE 1256
Legal Tract	1256
Legal Lot Number	1006-
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1007
Census Tract	121702

Owner

3515 Deanes Ln is owner-occupied and held in a trust since June 2026.

Source: Santa Cruz County records, as of August 24, 2026

Owner of Record	2 Trust Names on File
Mailing Address	3515 DEANES LN, CAPITOLA, CA 95010-2532
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family 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
Jul 29, 2026	Grant Deed, Transfer · Line of Credit FIREFIGHTERS FIRST FEDERAL CREDIT UNION
Dec 30, 2025	Deed of Trust, Mortgage · Commercial Mortgage GLENN K LUQUE IRA
Apr 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIREFIGHTERS FIRST FCU
Aug 16, 2018	Deed of Trust, Mortgage · Line of Credit FIREFIGHTERS FIRST CU
Jan 17, 2019	Deed of Trust, Mortgage · Line of Credit FIREFIGHTERS FIRST CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2005 · Amount on File
Deed Sale	Mar 1, 2005 · Amount on File
Deed Document Number	200513550
Last Transfer Date	Jun 1, 2026
Transfer Doc	0000017076
Record Updated	Oct 29, 2026

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 29, 2026
Property Address	3515 DEANES LN, CAPITOLA, CA 95010-2532
Document Number	0000017076
Instrument Date	Jun 1, 2026
Instrument	202617076
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	MONARCH TITLE COMPANY INC, MONARCH TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	3515 DEANES LN, CAPITOLA, CA 95010-2532

Mortgage

Document Number	0000017077,
Date	Jul 29, 2026
Instrument	202617077

Lender

Name	FIREFIGHTERS FIRST FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jul 28, 2051

Interest

Max Rate	-1%

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3515 DEANES LN, CAPITOLA, CA 95010-2532
Transaction Type	Mortgage
Record Updated	Jan 14, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3515 DEANES LN, CAPITOLA, CA 95010-2532

Mortgage

Document Number	0000028892
Date	Dec 30, 2025
Instrument	2025-0028892

Lender

Name	GLENN K LUQUE IRA
Type	Non-Lending Institution
Address	CAPITOLA, CA 95010

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3515 DEANES LN, CAPITOLA, CA 95010-2532
Transaction Type	Mortgage
Record Updated	May 4, 2022
Title Company	CALIFORNIA TITLE COMPANY, CALIFORNIA MEMBERS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3515 DEANES LN, CAPITOLA, CA 95010-2532

Mortgage

Document Number	0000012485
Date	Apr 18, 2022
Instrument	2022-0012485

Lender

Name	FIREFIGHTERS FIRST FCU
Type	Credit Union
Address	PASADENA, CA 91105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	May 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.12%
Index	1-Year CMT
Max Rate	8.12%

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3515 DEANES LN, CAPITOLA, CA 95010-2532
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CALIFORNIA MEMBERS TITLE COM

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024985
Date	Aug 16, 2018
Instrument	2018-0024985

Lender

Name	FIREFIGHTERS FIRST CU
Type	Credit Union
Address	LOS ANGELES, CA 90041

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Aug 28, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3515 DEANES LN, CAPITOLA, CA 95010-2532
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CALIFORNIA MEMBERS TITLE COM

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001391
Date	Jan 17, 2019
Instrument	2019-0001391

Lender

Name	FIREFIGHTERS FIRST CU
Type	Credit Union
Address	LOS ANGELES, CA 90041

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jan 28, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 3515 Deanes Ln was $14,875.

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		$1,208,530 (+2%) Land $725,118 Building $483,412
2025	$14,875.00	$1,184,833 Land $710,900 Building $473,933
2023	$13,576.00 (+1.09%)	$1,138,825 Land $683,295 Building $455,530	$1,189,710
2022	$13,430.00

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

Flood

FEMA maps place 3515 Deanes Ln in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force

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 3515 Deanes Ln 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	SANTA CRUZ WATER DEPARTMENT serves 94,626 people · EPA ID CA4410010
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2022–2024) 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 484 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Cruzio, GeoLinks, Surfnet Communications.

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