406 Loma Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 406 Loma Ave, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,143 sqft · built 1947
Lot Size	0.106 acres (4,617 sqft)
Owner	Trust Name on File
Last Sale	$1,303,500 (Sep 2020)
Tax Bill	$17,443 (2025)
Deeds & Mortgages	Sep 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`036-093-03`

Property Details

APN / Parcel Number

Primary APN	`036-093-03`
Alternative APN	`036-093-03-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	1,143 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 2000
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	4,617 sqft (0.106 acres)

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	406 LOMA AVE
City	CAPITOLA
State	CA
Zip	95010-3703
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	MCCORMICKS ADD
Legal Lot Number	4
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1013
Census Tract	121801

Owner

Source: Santa Cruz County records, as of August 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Trust Name on File
Mailing Address	406 LOMA AVE, CAPITOLA, CA 95010-3703
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2020 · Amount on File
Deed Sale	Sep 15, 2020 · Amount on File
Prior Sale	Sep 30, 2015 · Amount on File
Deed Document Number	202036363
Prior Transfer Date	Nov 9, 2005
Prior Transfer Doc	0000080880
Record Updated	Sep 20, 2026

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 15, 2020
Property Address	406 LOMA AVE, CAPITOLA, CA 95010-3703
Document Number	0000036363
Instrument Date	Sep 4, 2020
Instrument	36363
Transaction Type	Transfer
Record Updated	Oct 7, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Tax	$1,434.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	406 LOMA AVE CAPITOLA CA 950103703, CAPITOLA, CA 95010-3703

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		$1,439,169 (+2%) Land $1,151,335 Building $287,834
2025	$17,443.00 (+9.41%)	$1,410,950 (+4.04%) Land $1,128,760 Building $282,190
2023	$15,943.00 (+1.03%)	$1,356,161 Land $1,084,929 Building $271,232	$1,295,370
2022	$15,780.00

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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