3522 Deanes Ln, Capitola, CA 95010 Property Records

Santa Cruz County property record for 3522 Deanes Ln, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,025 sqft · built 1990
Lot Size	0.119 acres (5,184 sqft)
Owner	Individual Name on Record
Last Sale	$443,000 (Mar 2021)
Tax Bill	$13,952 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`034-412-42`

Property Details

APN / Parcel Number

Primary APN	`034-412-42`
Alternative APN	`034-412-42-000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Building Area	3,025 sqft Living Area
Gross Area	3,517 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2005
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	5,184 sqft (0.119 acres)
Garage Type	Attached
Garage Area	492 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3522 DEANES LN
City	CAPITOLA
State	CA
Zip	95010-2531
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR 1256
Legal Subdivision	DEANES LANE TR 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

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	Individual Name on Record
Mailing Address	3522 DEANES LN, CAPITOLA, CA 95010-2531
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2021	Grant Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Nov 9, 2017	Grant Deed, Transfer BAY EQUITY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2021 · Amount on Record
Deed Sale	Mar 24, 2021 · Amount on Record
Prior Sale	Nov 9, 2017 · Amount on Record
Deed Document Number	202117041
Prior Transfer Date	Oct 29, 2020
Prior Transfer Doc	0000017041
Record Updated	Oct 29, 2026

March 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 24, 2021
Property Address	3522 DEANES LN, CAPITOLA, CA 95010-2531
Document Number	0000017041
Map Reference	MB 78 PG 58
Instrument Date	Oct 29, 2020
Instrument	2021-0017041
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	PACIFIC COAST TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$487.30
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3522 DEANES LN, CAPITOLA, CA 95010-2531

Mortgage

Document Number	0000017042
Date	Mar 24, 2021
Instrument	2021-0017042

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Nov 1, 2050

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 9, 2017
Property Address	3522 DEANES LN, CAPITOLA, CA 95010-2531
Document Number	0000037883
Instrument Date	Nov 7, 2017
Instrument	37883
Transaction Type	Transfer
Record Updated	Nov 23, 2017
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,073.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3522 DEANES LN CAPITOLA CA 950102531, CAPITOLA, CA 95010-2531

Mortgage

Document Number	37884
Date	Nov 9, 2017
Instrument	37884

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	SAUSALITO, CA 94965

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 8, 2047

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		$1,132,732 (+2%) Land $679,639 Building $453,093
2025	$13,952.00 (+9.67%) Homeowner's exemption	$1,110,522 (+4.04%) Land $666,313 Building $444,209
2023	$12,722.00 (+1.13%) Homeowner's exemption	$1,067,398 Land $640,439 Building $426,959	$1,119,060
2022	$12,580.00

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 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

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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