411 Loma Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 411 Loma Ave, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,184 sqft · built 1971
Lot Size	0.094 acres (4,095 sqft)
Owner	Company Name on Record
Tax Bill	$5,967 (2025)
Deeds & Mortgages	Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`036-092-13`

Property Details

APN / Parcel Number

Primary APN	`036-092-13`
Alternative APN	`036-092-13-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,184 sqft Living Area
Gross Area	1,584 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1980
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	4,095 sqft (0.094 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	511 sqft
Patio Area	511 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	411 LOMA AVE
City	CAPITOLA
State	CA
Zip	95010-3702
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MCCORMICKS ADD BLK B LOT 000012 MAP 000018 00062
Legal Subdivision	MCCORMICKS ADD
Legal Block	B
Legal Lot Number	12
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	Company Name on Record
Mailing Address	411 LOMA AVE, CAPITOLA, CA 95010-3702
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 18, 2006
Transfer Doc	0000056731
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	411 LOMA AVE, CAPITOLA, CA 95010-3702
Transaction Type	Mortgage
Record Updated	Oct 5, 2021
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 LOMA AVE, CAPITOLA, CA 95010-3702

Mortgage

Document Number	0000048471
Date	Sep 22, 2021
Instrument	2021-0048471

Lender

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

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Oct 1, 2031
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	4.5%
Index	Other
Max Rate	8.5%

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		$415,574 (+2%) Land $309,471 Building $106,103
2025	$5,967.00 (+11.26%) Homeowner's exemption	$407,426 (+4.04%) Land $303,403 Building $104,023
2023	$5,363.00 (+1.71%) Homeowner's exemption	$391,606 Land $291,622 Building $99,984	$1,107,900
2022	$5,273.00

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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