409 Loma Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 409 Loma Ave, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,025 sqft · built 2004
Lot Size	0.092 acres (4,008 sqft)
Owner	2 Individual Names on Record
Last Sale	$750,000 (Sep 2010)
Tax Bill	$12,332 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Mar 2024 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`036-092-21`

Property Details

APN / Parcel Number

Primary APN	`036-092-21`
Alternative APN	`036-092-21-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	2,025 sqft Living Area
Gross Area	2,435 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	4,008 sqft (0.092 acres)
Garage Type	Attached
Garage Area	410 sqft
Parking Spaces	2 Parking Spaces
Deck Area	24 sqft
Patio Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	409 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	10
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	409 LOMA AVE, CAPITOLA, CA 95010-3702
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2026	Deed of Trust, Mortgage · Line of Credit UNION CREDIT UNION
Mar 19, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MONTERRA CREDIT UNION
Jun 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage SAN MATEO CU
May 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA
Jul 11, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2010 · Amount on Record
Deed Sale	Sep 29, 2010 · Amount on Record
Prior Sale	Apr 1, 2003 · Amount on Record
Deed Document Number	201039102
Prior Transfer Date	Nov 24, 2006
Prior Transfer Doc	0000069643
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 10, 2026
Property Address	409 LOMA AVE, CAPITOLA, CA 95010-3702
Document Number	0000015642
Instrument Date	Jul 6, 2026
Instrument	202615642
Transaction Type	Mortgage
Record Updated	Jul 27, 2026
Title Company	ATLAS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	409 LOMA AVE, CAPITOLA, CA 95010-3702

Mortgage

Document Number	0000015642,
Date	Jul 10, 2026
Instrument	202615642

Lender

Name	UNION CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 6, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.48%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	409 LOMA AVE, CAPITOLA, CA 95010-3702
Transaction Type	Mortgage
Record Updated	Apr 5, 2024
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 LOMA AVE, CAPITOLA, CA 95010-3702

Mortgage

Document Number	0000005042
Date	Mar 19, 2024
Instrument	2024-0005042

Lender

Name	MONTERRA CREDIT UNION
Type	Credit Union
Address	REDWOOD CITY, CA 94063

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2039

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	409 LOMA AVE, CAPITOLA, CA 95010-3702
Transaction Type	Mortgage
Record Updated	Jul 6, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 LOMA AVE, CAPITOLA, CA 95010-3702

Mortgage

Document Number	0000032941
Date	Jun 15, 2021
Instrument	2021-0032941

Lender

Name	SAN MATEO CU
Type	Credit Union
Address	REDWOOD CITY, CA 94063

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Jul 1, 2028
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	7.62%
Index	1-Year CMT
Max Rate	7.62%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	409 LOMA AVE, CAPITOLA, CA 95010-3702
Transaction Type	Mortgage
Record Updated	May 27, 2021
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 LOMA AVE, CAPITOLA, CA 95010-3702

Mortgage

Document Number	0000027208
Date	May 13, 2021
Instrument	2021-0027208

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	409 LOMA AVE, CAPITOLA, CA 95010-3702
Document Number	0000022340
Instrument Date	Jul 11, 2018
Transaction Type	Mortgage
Record Updated	Aug 7, 2018
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 LOMA AVE CAPITOLA CA 950103702, CAPITOLA, CA 95010-3702

Mortgage

Document Number	0000022340
Date	Jul 23, 2018
Instrument	22340

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$980,102 (+2%) Land $633,799 Building $346,303
2025	$12,332.00 (+9.79%)	$960,884 (+4.04%) Land $621,372 Building $339,512
2023	$11,232.00 (+1.17%)	$923,572 Land $597,243 Building $326,329	$1,480,410
2022	$11,102.00

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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