404 Monterey Ave, Apt A, Capitola, CA 95010 Property Records

Santa Cruz County property record for 404 Monterey Ave, Apt A, Capitola, CA 95010

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,370 sqft · built 1969
Lot Size	0.093 acres (4,051 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,550,000 (Apr 2026)
Tax Bill	$17,295 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`036-092-02`

Property Details

APN / Parcel Number

Primary APN	`036-092-02`
Alternative APN	`036-092-02-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Building Area	2,370 sqft Living Area
Gross Area	2,790 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 2020
Architectural Style	Duplex Single
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	4,051 sqft (0.093 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Deck Area	310 sqft
Patio Area	310 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	404 MONTEREY AVE, A
City	CAPITOLA
State	CA
Zip	95010-3639
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Subdivision	MC CORMICKS
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	2 Individual Names on Record
Mailing Address	404 MONTEREY AVE, B, CAPITOLA, CA 95010-3639
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2026	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Apr 25, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2026 · Amount on Record
Deed Sale	Apr 20, 2026 · Amount on Record
Deed Document Number	20268603
Prior Transfer Date	Dec 21, 2023
Prior Transfer Doc	0000025130
Record Updated	Sep 20, 2026

April 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 20, 2026
Document Number	0000008603
Instrument Date	Apr 17, 2026
Instrument	20268603
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	WFG NATIONAL TITLE COMPANY, WFG NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$172,205.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property

Mortgage

Document Number	0000008604,
Date	Apr 20, 2026
Instrument	20268604

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 25, 2017
Property Address	404 MONTEREY AVE APT A, A, CAPITOLA, CA 95010-3639
Document Number	0000013634
Instrument Date	Mar 27, 2017
Instrument	13634
Transaction Type	Transfer
Record Updated	May 10, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	67 HOLBROOK LN ATHERTON CA 940272036, ATHERTON, CA 94027-2036

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
2026		$1,347,318 (+2%) Land $1,092,420 Building $254,898
2025	$17,295.00 (+266.19%)	$1,320,900 (+451.68%) Land $1,071,000 Building $249,900
2024	$4,723.00 (+3.73%)
2023	$4,553.00 (+2.64%)	$239,431 Land $87,061 Building $152,370
2022	$4,436.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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