409 Hill St, Capitola, CA 95010 Property Records

Santa Cruz County property record for 409 Hill St, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,937 sqft · built 1964
Lot Size	0.292 acres (12,720 sqft)
Owner	Individual Name on File
Last Sale	$289,000 (Apr 1995)
Tax Bill	$6,853 (2025)
Deeds & Mortgages	Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`036-022-29`

Property Details

APN / Parcel Number

Primary APN	`036-022-29`
Alternative APN	`036-022-29-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,937 sqft Living Area
Gross Area	2,581 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	12,720 sqft (0.292 acres)
Garage Type	Attached
Garage Area	644 sqft
Parking Spaces	2 Parking Spaces
Deck Area	644 sqft
Patio Area	644 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	409 HILL ST
City	CAPITOLA
State	CA
Zip	95010-3604
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1005
Census Tract	121802

Owner

Source: Santa Cruz County records · APN 036-022-29

Assessment roll updated August 19, 2026 · Last verified August 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 File
Mailing Address	409 HILL ST, CAPITOLA, CA 95010-3604
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 20, 1995 · Amount on Record
Deed Sale	Apr 20, 1995 · Amount on Record
Deed Document Number	199519375
Deed Book / Page	5662 / 595
Last Transfer Date	Nov 25, 2020
Transfer Doc	0000051615
Record Updated	Sep 20, 2026

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 02, 2020
Property Address	409 HILL ST, CAPITOLA, CA 95010-3604
Document Number	0000051615
Instrument Date	Nov 24, 2020
Instrument	2020-0051615
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	STEWART TITLE OF CA INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 HILL ST, CAPITOLA, CA 95010-3604

Mortgage

Document Number	0000051616
Date	Dec 02, 2020
Instrument	2020-0051616

Lender

Name	MEGA CAPITAL FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2050

Tax Assessment & Valuation

Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$495,152 (+2%) Land $247,576 Building $247,576
2025	$6,853.00 (+10.89%) Homeowner's exemption	$485,444 (+4.04%) Land $242,722 Building $242,722
2023	$6,180.00 (+1.58%) Homeowner's exemption	$466,594 Land $233,297 Building $233,297	$1,253,610
2022	$6,084.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 10, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (2023)
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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 Internet, T-Mobile USA, Xfinity.

Based on FCC filings for 757 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SOQUEL CREEK WATER DISTRICT serves 40,962 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.