404 Bay Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 404 Bay Ave, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,661 sqft · built 1940
Lot Size	0.167 acres (7,275 sqft)
Owner	2 Individual Names on File
Last Sale	$215,000 (May 1997)
Tax Bill	$5,317 (2025)
Deeds & Mortgages	Jan 2017 Line of Credit Jun 2019 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`036-062-33`

Property Details

APN / Parcel Number

Primary APN	`036-062-33`
Alternative APN	`036-062-33-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,661 sqft Living Area
Gross Area	1,981 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	7,275 sqft (0.167 acres)
Garage Type	Attached
Garage Area	320 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	404 BAY AVE
City	CAPITOLA
State	CA
Zip	95010-3303
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	CAPITOLA
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1014
Census Tract	121802

Owner

Source: Santa Cruz County assessment roll, 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	2 Individual Names on File
Mailing Address	404 BAY AVE, CAPITOLA, CA 95010-3303
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2017	Deed of Trust, Mortgage · Line of Credit BAY FCU
Jun 26, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 26, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 26, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 1, 1997 · Amount on Record
Deed Sale	May 1, 1997 · Amount on Record
Deed Document Number	199719589
Record Updated	Sep 20, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	404 BAY AVE, CAPITOLA, CA 95010-3303
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003645
Date	Jan 31, 2017
Instrument	2017-0003645

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	302 Months
Due	Mar 15, 2042

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 26, 2019
Property Address	404 BAY AVE, CAPITOLA, CA 95010-3303
Document Number	0000017541
Instrument Date	Jun 11, 2019
Instrument	17541
Transaction Type	Transfer
Record Updated	Jul 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	8538 EMPIRE GRADE SANTA CRUZ CA 950609636, SANTA CRUZ, CA 95060-9636

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 26, 2019
Property Address	404 BAY AVE, CAPITOLA, CA 95010-3303
Document Number	0000017542
Instrument Date	Jun 11, 2019
Instrument	17542
Transaction Type	Transfer
Record Updated	Jul 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	8538 EMPIRE GRADE SANTA CRUZ CA 950609636, SANTA CRUZ, CA 95060-9636

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 26, 2019
Property Address	404 BAY AVE, CAPITOLA, CA 95010-3303
Document Number	0000017544
Instrument Date	Jun 10, 2019
Instrument	17544
Transaction Type	Transfer
Record Updated	Jul 9, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	404 BAY AVE CAPITOLA CA 950103303, CAPITOLA, CA 95010-3303

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		$357,175 (+2%) Land $215,966 Building $141,209
2025	$5,317.00 (+11.61%) Homeowner's exemption	$350,171 (+4.04%) Land $211,731 Building $138,440
2023	$4,764.00 (+1.84%) Homeowner's exemption	$336,573 Land $203,509 Building $133,064	$731,250
2022	$4,678.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (2023)
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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

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 Internet, T-Mobile USA, Xfinity.

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