3526 Deanes Ln, Capitola, CA 95010 Property Records

Santa Cruz County property record for 3526 Deanes Ln, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,002 sqft · built 1990
Lot Size	0.135 acres (5,881 sqft)
Owner	2 Individual Names on File
Last Sale	$750,000 (Nov 2008)
Tax Bill	$12,308 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`034-412-43`

Property Details

APN / Parcel Number

Primary APN	`034-412-43`
Alternative APN	`034-412-43-000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	3,002 sqft Living Area
Gross Area	3,626 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	5,881 sqft (0.135 acres)
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3526 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 SUB 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

3526 Deanes Ln is owned and occupied by two individuals who bought it in November 2008.

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

Owner of Record	2 Individual Names on File
Mailing Address	3526 DEANES LN, CAPITOLA, CA 95010-2531
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 26, 2022	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Apr 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage CR FUNDING INC
Feb 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 26, 2008 · Amount on File
Deed Sale	Nov 26, 2008 · Amount on File
Prior Sale	Sep 12, 2008 · Amount on File
Deed Document Number	200847482
Prior Transfer Date	Sep 6, 2006
Prior Transfer Doc	0000059061
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3526 DEANES LN, CAPITOLA, CA 95010-2531
Transaction Type	Mortgage
Record Updated	Feb 8, 2022
Title Company	HERACLES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3526 DEANES LN, CAPITOLA, CA 95010-2531

Mortgage

Document Number	0000002523
Date	Jan 26, 2022
Instrument	2022-0002523

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3526 DEANES LN, CAPITOLA, CA 95010-2531
Transaction Type	Mortgage
Record Updated	Apr 20, 2021
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3526 DEANES LN, CAPITOLA, CA 95010-2531

Mortgage

Document Number	0000019674
Date	Apr 5, 2021
Instrument	2021-0019674

Lender

Name	CR FUNDING INC
Type	Non-Lending Institution
Address	EL SEGUNDO, CA 90245

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3526 DEANES LN, CAPITOLA, CA 95010-2531
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004407
Date	Feb 6, 2020
Instrument	2020-0004407

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3526 Deanes Ln was $12,308 with a homeowner's exemption.

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		$985,142 (+2%) Land $525,409 Building $459,733
2025	$12,308.00 Homeowner's exemption	$965,826 Land $515,107 Building $450,719
2023	$11,208.00 (+1.18%) Homeowner's exemption	$928,322 Land $495,105 Building $433,217	$1,235,790
2022	$11,077.00

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

Flood

FEMA maps place 3526 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 3526 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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