406 Monterey Ave, Capitola, CA 95010 Property Records

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

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,159 sqft · built 1949
Lot Size	0.093 acres (4,051 sqft)
Owner	2 Individual Names on File
Last Sale	$407,645 (May 2017)
Tax Bill	$9,325 (2025)
Deeds & Mortgages	Aug 2020 Mortgage May 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`036-092-03`

Property Details

APN / Parcel Number

Primary APN	`036-092-03`
Alternative APN	`036-092-03-000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Building Area	1,159 sqft Living Area

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	4,051 sqft (0.093 acres)
Garage Type	Carport
Garage Area	220 sqft
Carport	Carport
Carport Area	220 sqft
Parking Spaces	1 Parking Space
Deck Area	105 sqft
Patio Area	105 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	406 MONTEREY AVE
City	CAPITOLA
State	CA
Zip	95010-3614
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	MCCORMICKS ADD
Legal Block	B
Legal Lot Number	5
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1014
Census Tract	121801

Owner

406 Monterey Ave is owned by two individuals who bought it in May 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	5080 N FRUIT AVE, 101, FRESNO, CA 93711-3062
Owner Type	Individual
Vesting	Borrower in Default

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

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
May 5, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANC HM LNS
May 8, 2017	Grant Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO
May 8, 2017	Grant Deed CHICAGO TITLE COMPANY, CHICAGO TITLE CO
May 8, 2017	Quit Claim Deed CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 8, 2017 · Amount on File
Deed Sale	May 8, 2017 · Amount on File
Deed Document Number	201715121
Prior Transfer Date	May 3, 2017
Prior Transfer Doc	0000015119
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	406 MONTEREY AVE, CAPITOLA, CA 95010-3614
Document Number	0000030496
Instrument Date	Aug 5, 2020
Transaction Type	Mortgage
Record Updated	Aug 31, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2119 W SAN RAMON AVE FRESNO CA 937112842, FRESNO, CA 93711-2842

Mortgage

Document Number	0000030496
Date	Aug 12, 2020
Instrument	30496

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Aug 11, 2030

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	406 MONTEREY AVE, CAPITOLA, CA 95010-3614
Document Number	0000015823
Instrument Date	May 5, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	2119 W SAN RAMON AVE FRESNO CA 937112842, FRESNO, CA 93711-2842

Mortgage

Document Number	0000015823
Date	May 12, 2017
Instrument	15823

Lender

Name	BANC HM LNS
Type	Bank
Address	IRVINE, CA 92612

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 11, 2047

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 8, 2017
Property Address	406 MONTEREY AVE, CAPITOLA, CA 95010-3614
Document Number	0000015121
Instrument Date	May 3, 2017
Instrument	15121
Transaction Type	Transfer
Record Updated	May 22, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Tax	$448.00
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	5080 N FRUIT AVE #101 FRESNO CA 937113062, 101, FRESNO, CA 93711-3062

May 2017: Grant Deed

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 8, 2017
Property Address	406 MONTEREY AVE, CAPITOLA, CA 95010-3614
Document Number	0000015119
Instrument Date	May 3, 2017
Instrument	15119
Record Updated	May 22, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

May 2017: Quit Claim Deed

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 8, 2017
Property Address	406 MONTEREY AVE, CAPITOLA, CA 95010-3614
Document Number	0000015120
Instrument Date	May 3, 2017
Instrument	15120
Record Updated	May 22, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	128 PEPITO WAY FOLSOM CA 956302343, FOLSOM, CA 95630-2343

Tax Assessment & Valuation

The 2025 property tax bill for 406 Monterey Ave was $9,325.

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		$710,022 (+2%) Land $502,246 Building $207,776
2025	$9,325.00	$696,100 Land $492,398 Building $203,702
2023	$8,461.00 (+1.32%)	$669,069 Land $473,277 Building $195,792	$1,074,780
2022	$8,351.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 406 Monterey 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

Wildfire risk around 406 Monterey 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.

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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