407 Loma Ave, Capitola, CA 95010 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,418 sqft · built 1938
Lot Size	0.092 acres (4,008 sqft)
Owner	Trust Name on Record
Last Sale	$1,175,000 (Oct 2019)
Tax Bill	$15,933 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Mar 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`036-092-20`

Property Details

APN / Parcel Number

Primary APN	`036-092-20`
Alternative APN	`036-092-20-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,418 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1938
Effective Year Built	Effective 2000
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	4,008 sqft (0.092 acres)
Garage Type	Carport
Garage Area	252 sqft
Carport	Carport
Carport Area	252 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	407 LOMA AVE
City	CAPITOLA
State	CA
Zip	95010-3702
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	MCCORMICKS ADD
Legal Block	B
Legal Lot Number	8
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1014
Census Tract	121801

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	Trust Name on Record
Mailing Address	407 LOMA AVE, CAPITOLA, CA 95010-3702
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 5, 2023	Deed of Trust, Mortgage · Line of Credit HERITAGE BANK OF COMMERCE
Mar 7, 2018	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Oct 10, 2019	Grant Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 10, 2019 · Amount on Record
Deed Sale	Oct 10, 2019 · Amount on Record
Prior Sale	Sep 8, 2004 · Amount on Record
Deed Document Number	201931236
Prior Transfer Date	Mar 25, 2003
Prior Transfer Doc	0000028401
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	407 LOMA AVE, CAPITOLA, CA 95010-3702
Transaction Type	Mortgage
Record Updated	Jul 20, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 LOMA AVE, CAPITOLA, CA 95010-3702

Mortgage

Document Number	0000012110
Date	Jul 5, 2023
Instrument	2023-0012110

Lender

Name	HERITAGE BANK OF COMMERCE
Type	Bank
Address	SAN JOSE, CA 95110

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	407 LOMA AVE, CAPITOLA, CA 95010-3702
Transaction Type	Mortgage
Record Updated	May 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006874
Date	Mar 7, 2018
Instrument	2018-0006874

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 15, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 10, 2019
Property Address	407 LOMA AVE, CAPITOLA, CA 95010-3702
Document Number	0000031236
Instrument Date	Oct 8, 2019
Instrument	31236
Transaction Type	Transfer
Record Updated	Oct 24, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Tax	$1,292.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	407 LOMA AVE CAPITOLA CA 950103702, CAPITOLA, CA 95010-3702

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		$1,310,735 (+2%) Land $983,051 Building $327,684
2025	$15,933.00 (+9.51%) Homeowner's exemption	$1,285,035 (+4.04%) Land $963,776 Building $321,259
2023	$14,549.00 (+1.08%) Homeowner's exemption	$1,235,135 Land $926,351 Building $308,784	$1,263,510
2022	$14,394.00

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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