405 Monterey Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 405 Monterey Ave, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,105 sqft · built 1958
Lot Size	0.113 acres (4,922 sqft)
Owner	2 Companies on Record
Last Sale	$1,625,000 (May 2025)
Tax Bill	$16,882 (2025)
Deeds & Mortgages	Apr 2026 Transfer Jan 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`036-072-16`

Property Details

APN / Parcel Number

Primary APN	`036-072-16`
Alternative APN	`036-072-16-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Building Area	2,105 sqft Living Area
Gross Area	2,345 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 2015
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	4,922 sqft (0.113 acres)
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	2 Parking Spaces
Deck Area	611 sqft
Patio Area	611 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	405 MONTEREY AVE
City	CAPITOLA
State	CA
Zip	95010-3613
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	SOQUEL RHO
Legal Lot Number	2
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1012
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 Companies on Record
Mailing Address	405 MONTEREY AVE, CAPITOLA, CA 95010-3613
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jan 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jul 1, 2022	Intrafamily Transfer, Transfer · Line of Credit AIM CU
Jul 1, 2022	Grant Deed, Transfer · Conventional Mortgage MUFG UNION BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2025 · Amount on Record
Deed Sale	May 14, 2025 · Amount on Record
Prior Sale	Jul 1, 2022 · Amount on Record
Deed Document Number	20259887
Prior Transfer Date	Jun 30, 2022
Prior Transfer Doc	0000019743
Record Updated	Sep 20, 2026

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 29, 2026
Property Address	405 MONTEREY AVE, CAPITOLA, CA 95010-3613
Document Number	0000009528
Instrument Date	Apr 28, 2026
Instrument	20269528
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	405 MONTEREY AVE, CAPITOLA, CA 95010-3613

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	405 MONTEREY AVE, CAPITOLA, CA 95010-3613
Transaction Type	Mortgage
Record Updated	Jan 14, 2026
Title Company	UNKNOWN, DOMA INSURANCE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 BOWEN AVE, APTOS, CA 95003-4204

Mortgage

Document Number	0000000064
Date	Jan 2, 2026
Instrument	2026-0000064

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6.49%
Type Change Date	Jan 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.4%
Index	SOFR Average 30-Day
Max Rate	11.4%

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 1, 2022
Property Address	405 MONTEREY AVE, CAPITOLA, CA 95010-3613
Document Number	0000019743
Map Reference	MB 31 PG 27
Instrument Date	Jun 30, 2022
Instrument	2022-0019743
Transaction Type	Transfer
Record Updated	Jul 13, 2022
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	405 MONTEREY AVE, CAPITOLA, CA 95010-3613

Mortgage

Document Number	0000019745
Date	Jul 1, 2022
Instrument	2022-0019745

Lender

Name	AIM CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 30, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 1, 2022
Property Address	405 MONTEREY AVE, CAPITOLA, CA 95010-3613
Document Number	0000019742
Map Reference	MB 31 PG 27
Instrument Date	Jun 28, 2022
Instrument	2022-0019742
Transaction Type	Transfer
Record Updated	Jul 13, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,347.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 MONTEREY AVE, CAPITOLA, CA 95010-3613

Mortgage

Document Number	0000019744
Date	Jul 1, 2022
Instrument	2022-0019744

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Jul 1, 2027
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.1%
Index	Other
Max Rate	10.1%

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		$1,657,500 (+30.05%) Land $1,249,500 Building $408,000
2025	$16,882.00 (+7.22%)	$1,274,491 (+1,710.82%) Land $1,066,411 Building $208,080
2024	$15,745.00 (+711.18%)
2023	$1,941.00 (+92.75%)	$70,382 Land $14,077 Building $56,305	$1,077,930
2022	$1,007.00

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 · 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

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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