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408 Bay Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 408 Bay Ave, Capitola, CA 95010

Property Summary

Property TypeSingle Family Home
Details5 bd · 4.5 ba · 4,192 sqft · built 2014
Lot Size0.13 acres (5,663 sqft)
Owner2 Trust Names on Record
Tax Bill$13,608 (2025)
Deeds & MortgagesSep 2020 Mortgage
Sep 2020 Transfer
Flood ZoneZone X (minimal risk)
APN036-062-46

Property Details

APN / Parcel Number

Primary APN036-062-46
Alternative APN
  • 036-062-46-000

Interior

Bedrooms5 Beds
Full Baths4.5 Baths
Half Baths1 Half Bath
Total Rooms10 Rooms
Building Area4,192 sqft Living Area
Gross Area4,402 sqft

Exterior

Year BuiltBuilt 2014
Effective Year BuiltEffective 2014
Construction TypeWood
Lot Area5,663 sqft (0.13 acres)
Garage TypeAttached
Garage Area210 sqft
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address408 BAY AVE
CityCAPITOLA
StateCA
Zip95010-3303
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal SubdivisionPARCEL MAP
JurisdictionSANTA CRUZ CA
Township / Civil DivisionSANTA CRUZ
Census Block Group1
Census Block1014
Census Tract121802

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 Record2 Trust Names on Record
Mailing Address408 BAY AVE, CAPITOLA, CA 95010-3303
OccupancyOwner Occupied
Owner TypeIndividual
VestingTrust, Family Trust

Deeds, Mortgages & Sale History

DateDocument
Sep 4, 2020Intrafamily Transfer, Transfer · Conventional Mortgage
QUICKEN LOANS LLC
Sep 8, 2020Quit Claim Deed, Transfer
OLD REPUBLIC TITLE

Assessor's Deed Record

Deed Names2 Names on Deed
Last Transfer DateAug 31, 2020
Transfer Doc0000034945
Record UpdatedSep 20, 2026

September 2020: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSANTA CRUZ CA
Recording DateSep 4, 2020
Property Address408 BAY AVE, CAPITOLA, CA 95010-3303
Document Number0000034832
Map ReferenceVOL 62 PG 10
Instrument DateAug 31, 2020
Instrument2020-0034832
Transaction TypeTransfer
Record UpdatedAug 17, 2021
Title CompanyOLD REPUBLIC TITLE COMPANY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address408 BAY AVE, CAPITOLA, CA 95010-3303

Mortgage

Document Number0000034833
DateSep 4, 2020
Instrument2020-0034833
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueSep 1, 2035

September 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSANTA CRUZ CA
Recording DateSep 8, 2020
Property Address408 BAY AVE, CAPITOLA, CA 95010-3303
Document Number0000034945
Instrument DateAug 31, 2020
Instrument34945
Transaction TypeTransfer
Record UpdatedSep 24, 2020
Title CompanyOLD REPUBLIC TITLE

Transaction

Tax$0.00
Amount AccuracyFull Value
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address408 BAY AVE CAPITOLA CA 95010, CAPITOLA, CA 95010

Tax Assessment & Valuation

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
MunicipalityCapitola City
Secondary School DistrictSanta Cruz City High School District (9-12) (09 - 12)
Elementary School DistrictSoquel Elementary School District (KG - 08)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$1,095,588 (+2%) Land $437,633 Building $657,955
2025$13,608.00 (+9.67%)$1,074,106 (+4.04%) Land $429,052 Building $645,054
2023$12,408.00 (+1.12%)$1,032,397 Land $412,392 Building $620,005$897,840
2022$12,270.00

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 10 policies
Nearby Flood Policies10 in force
Nearby Flood Claims1 (2023)
Most Recent ClaimJan 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 RiskLow
lower than 80% of the US · lower than 88% of California
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemSOQUEL CREEK WATER DISTRICT
serves 40,962 people · EPA ID CA4410017
Water SourcePurchased surface water from several systems
Last State InspectionJun 2023
Lead2 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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