Santa Cruz County property record for 403 Bay Ave, Capitola, CA 95010 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2000 |
| Square Footage | 1,306 sqft Living Area |
| Lot Size | 5,924 sqft (0.136 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $1,700,000 (2021) |
| Tax Bill | $14,990.00 (2025) |
Source: Santa Cruz County records · APN 035-102-04
Assessment roll updated August 19, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 403 BAY AVE, CAPITOLA, CA 95010-3302 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 10, 2021 | Grant Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB |
| Mar 28, 2018 | Deed of Trust, Mortgage · Conventional Mortgage LENDUS LLC |
| Sep 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage EVERETT FINANCIAL INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 10, 2021 · Amount on Record |
| Deed Sale | Jun 10, 2021 · Amount on Record |
| Prior Sale | Feb 23, 1994 |
| Deed Doc Number | 202132152 |
| Prior Transfer Date | Apr 13, 2016 |
| Prior Transfer Doc | 0000013072 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Jun 10, 2021 |
| Property Address | 403 BAY AVE, CAPITOLA, CA 95010-3302 |
| Document Number | 0000032152 |
| Map Reference | MB 30 PG 31 |
| Instrument Date | Jun 04, 2021 |
| Instrument | 2021-0032152 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2023 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,870.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 403 BAY AVE, CAPITOLA, CA 95010-3302 |
| Document Number | 0000032153 |
|---|---|
| Date | Jun 10, 2021 |
| Instrument | 2021-0032153 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 403 BAY AVE, CAPITOLA, CA 95010-3302 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000009298 |
|---|---|
| Date | Mar 28, 2018 |
| Instrument | 2018-0009298 |
| Name | LENDUS LLC |
|---|---|
| Type | Mortgage Company |
| Address | ALAMO, CA 94507 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 403 BAY AVE, CAPITOLA, CA 95010-3302 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | STEWART TITLE OF CA INC |
| Name | Verified Name |
|---|---|
| Address | 403 BAY AVE, CAPITOLA, CA 95010-3302 |
| Document Number | 0000036647 |
|---|---|
| Date | Sep 16, 2020 |
| Instrument | 2020-0036647 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Address | DALLAS, TX 75254 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2050 |
Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026
| 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) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,226,010 (+2%) Land $1,005,329 Building $220,681 | ||
| 2025 | $14,990.00 (+9.58%) Homeowner's exemption | $1,201,970 (+4.04%) Land $985,616 Building $216,354 | |
| 2023 | $13,679.00 (+1.09%) Homeowner's exemption | $1,155,297 Land $947,344 Building $207,953 | $1,338,120 |
| 2022 | $13,531.00 |
Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 035-102-04 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,306 sqft Living Area |
| Gross Area | 1,746 sqft Gross Area |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 2000 |
| Construction Type | Wood Construction |
| Roof Construction | Sawtooth Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 5,924 sqft (0.136 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 440 sqft Garage |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Sewage | Municipal Sewage |
| Water Source | Commercial Water Source |
| Street Address | 403 BAY AVE |
|---|---|
| City | CAPITOLA |
| State | CA |
| Zip | 95010-3302 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | TR 104 |
| Legal Subdivision | BEULAH |
| Legal Tract | 104 |
| Legal Block | B |
| Legal Lot Number | 10 |
| Jurisdiction | SANTA CRUZ CA |
| Minor Civil Division | SANTA CRUZ |
| Census Blockgroup | 2 |
| Census Block | 2015 |
| Census Tract | 121802 |
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