Santa Cruz County property record for 405 Loma Ave, Capitola, CA 95010
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 4,130 sqft · built 2012 |
| Lot Size | 0.092 acres (4,008 sqft) |
| Owner | Individual Name on File |
| Last Sale | $350,000 (Jun 2012) |
| Tax Bill | $11,167 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 036-092-22 |
| Primary APN | 036-092-22 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 4,130 sqft Living Area |
| Gross Area | 4,445 sqft |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Construction Type | Wood |
| Lot Area | 4,008 sqft (0.092 acres) |
| Garage Type | Attached |
| Garage Area | 315 sqft |
| Total Buildings | 2 Buildings |
| Heating System | Radiant |
|---|
| Street Address | 405 LOMA AVE |
|---|---|
| City | CAPITOLA |
| State | CA |
| Zip | 95010-3702 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | MC CORMICKS ADD |
| Legal Block | B |
| Legal Lot Number | 6 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 121801 |
405 Loma Ave is owned and occupied by an individual who acquired it in November 2021.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 405 LOMA AVE, CAPITOLA, CA 95010-3702 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 26, 2012 · Amount on File |
| Deed Sale | Jun 26, 2012 · Amount on File |
| Deed Document Number | 201229997 |
| Last Transfer Date | Nov 4, 2021 |
| Transfer Doc | 0000055779 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 405 Loma Ave was $11,167, up 7.5% from the year before.
Source: Santa Cruz County assessment roll, as of August 19, 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $875,472 (+2%) Land $473,534 Building $401,938 | ||
| 2025 | $11,167.00 (+7.46%) | $858,306 Land $464,249 Building $394,057 | |
| 2024 | $10,392.00 (+2.3%) | ||
| 2023 | $10,158.00 (+1.22%) | $824,977 Land $446,221 Building $378,756 | $1,051,290 |
| 2022 | $10,036.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 405 Loma Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 risk around 405 Loma Ave 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.
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 |
| 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.
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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