407 Capitola Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 407 Capitola Ave, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 408 sqft · built 1938
Lot Size	0.03 acres (1,307 sqft)
Owner	Individual Name on Record
Last Sale	$787,000 (Mar 2021)
Tax Bill	$7,632 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Mar 2021 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`035-131-08`

Property Details

APN / Parcel Number

Primary APN	`035-131-08`
Alternative APN	`035-131-08-000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Building Area	408 sqft Living Area

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	1,307 sqft (0.03 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	407 CAPITOLA AVE
City	CAPITOLA
State	CA
Zip	95010-3356
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	CAPITOLA SUB #6
Legal Block	7
Legal Lot Number	4
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2019
Census Tract	121802

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Old Riverview Historic District listed 1988 · 55 contributing resources · NRIS 87000626

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	Individual Name on Record
Mailing Address	407 CAPITOLA AVE, CAPITOLA, CA 95010-3356
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2022	Deed of Trust, Mortgage · Line of Credit BAY FCU
Mar 24, 2021	Grant Deed, Transfer · Conventional Mortgage BAY FCU
Oct 18, 2017	Grant Deed, Transfer · Conventional Mortgage DBA BETTER MORTGAGE ISAOA
Oct 18, 2017	Quit Claim Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2021 · Amount on Record
Deed Sale	Mar 24, 2021 · Amount on Record
Prior Sale	Oct 18, 2017 · Amount on Record
Deed Document Number	202117109
Prior Transfer Date	Aug 24, 2017
Prior Transfer Doc	0000034909
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	407 CAPITOLA AVE, CAPITOLA, CA 95010-3356
Transaction Type	Mortgage
Record Updated	Jul 13, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 CAPITOLA AVE, CAPITOLA, CA 95010-3356

Mortgage

Document Number	0000019397
Date	Jun 29, 2022
Instrument	2022-0019397

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	302 Months
Due	Aug 15, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 24, 2021
Property Address	407 CAPITOLA AVE, CAPITOLA, CA 95010-3356
Document Number	0000017109
Map Reference	MB 18 PG 36
Instrument Date	Mar 19, 2021
Instrument	2021-0017109
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$865.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 CAPITOLA AVE, CAPITOLA, CA 95010-3356

Mortgage

Document Number	0000017110
Date	Mar 24, 2021
Instrument	2021-0017110

Lender

Name	BAY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 18, 2017
Property Address	407 CAPITOLA AVE, CAPITOLA, CA 95010-3356
Document Number	0000034910
Map Reference	MB18 PG36
Instrument Date	Oct 11, 2017
Instrument	2017-0034910
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	STEWART TITLE OF CA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 CAPITOLA AVE, CAPITOLA, CA 95010-3356

Mortgage

Document Number	0000034911
Date	Oct 18, 2017
Instrument	2017-0034911

Lender

Name	DBA BETTER MORTGAGE ISAOA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 18, 2017
Property Address	407 CAPITOLA AVE, CAPITOLA, CA 95010-3356
Document Number	0000034909
Instrument Date	Aug 24, 2017
Instrument	34909
Transaction Type	Transfer
Record Updated	Nov 29, 2017
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3157 SE EVERGLADE ST CORVALLIS OR 973333236, CORVALLIS, OR 97333-3236

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		$565,072 (+2%) Land $480,312 Building $84,760
2025	$7,632.00 (+10.66%) Homeowner's exemption	$553,992 (+4.04%) Land $470,894 Building $83,098
2023	$6,897.00 (+1.47%) Homeowner's exemption	$532,480 Land $452,608 Building $79,872	$804,420
2022	$6,797.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 18 policies
Nearby Flood Policies	18 in force
Nearby Flood Claims	1 (2011)
Most Recent Claim	Mar 2011 · rainfall accumulation

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 95% of the US · lower than 97% of California
Wildfire Likelihood	Under 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 822 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Surfnet Communications Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Cruzio, GeoLinks, Xfinity.

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