403 Loma Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 403 Loma Ave, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,718 sqft · built 1925
Lot Size	0.161 acres (7,013 sqft)
Owner	Company Name on Record
Last Sale	$401,500 (Jul 1998)
Tax Bill	$9,456 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit Nov 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`036-092-23`

Property Details

APN / Parcel Number

Primary APN	`036-092-23`
Alternative APN	`036-092-23-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Building Area	2,718 sqft Living Area
Gross Area	3,012 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1985
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	7,013 sqft (0.161 acres)
Garage Type	Attached
Garage Area	294 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	403 LOMA AVE
City	CAPITOLA
State	CA
Zip	95010-3757
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	MCCORMICKS ADD
Legal Block	B
Legal Lot Number	2
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1014
Census Tract	121801

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	Company Name on Record
Mailing Address	403 LOMA AVE, CAPITOLA, CA 95010-3757
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2021	Intrafamily Transfer, Transfer · Line of Credit BAY FCU
Nov 10, 2021	Intrafamily Transfer, Transfer FIRST AMERICAN TITLE COMPANY
Jun 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage MR COOPER
Mar 18, 2019	Loan Modification, Mortgage · Line of Credit WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 1998 · Amount on Record
Deed Sale	Jul 1, 1998 · Amount on Record
Prior Sale	Mar 27, 1997 · Amount on Record
Deed Document Number	199837051
Prior Transfer Date	Mar 20, 1997
Prior Transfer Doc	0000013160
Record Updated	Oct 29, 2026

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 9, 2021
Property Address	403 LOMA AVE, CAPITOLA, CA 95010-3702
Document Number	0000055670
Map Reference	VOL 18 PG 62
Instrument Date	Nov 4, 2021
Instrument	2021-0055670
Transaction Type	Transfer
Record Updated	Nov 23, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

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	403 LOMA AVE, CAPITOLA, CA 95010-3702

Mortgage

Document Number	0000055671
Date	Nov 9, 2021
Instrument	2021-0055671

Lender

Name	BAY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Dec 15, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 10, 2021
Property Address	403 LOMA AVE, CAPITOLA, CA 95010-3702
Document Number	0000055779
Map Reference	VOL 18 PG 62
Instrument Date	Nov 4, 2021
Instrument	2021-0055779
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIRST AMERICAN TITLE COMPANY

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
Relationship	Revocable Living Trust
Address	403 LOMA AVE, CAPITOLA, CA 95010-3702

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	403 LOMA AVE, CAPITOLA, CA 95010-3702
Document Number	0000018551
Instrument Date	Jun 28, 2019
Transaction Type	Mortgage
Record Updated	Jul 17, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	403 LOMA AVE CAPITOLA CA 950103702, CAPITOLA, CA 95010-3702

Mortgage

Document Number	0000018551
Date	Jul 5, 2019
Instrument	18551

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 4, 2049

March 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SANTA CRUZ CA
Property Address	403 LOMA AVE, CAPITOLA, CA 95010-3702
Document Number	0000009328
Instrument Date	Mar 18, 2019
Transaction Type	Mortgage
Record Updated	Apr 26, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	403 LOMA AVE CAPITOLA CA 950103702, CAPITOLA, CA 95010-3702

Mortgage

Document Number	0000009328
Date	Apr 12, 2019
Instrument	9328

Lender

Name	WELLS FARGO BK
Type	Bank
Address	PHOENIX, AZ 85029

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$640,159 (+2%) Land $388,705 Building $251,454
2025	$9,456.00 (+23.56%) Homeowner's exemption	$627,607 (+20.04%) Land $381,083 Building $246,524
2023	$7,653.00 (+1.97%) Homeowner's exemption	$522,844 Land $366,285 Building $156,559	$1,502,460
2022	$7,505.00

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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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