416 Monterey Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 416 Monterey Ave, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,409 sqft · built 2018
Lot Size	0.094 acres (4,095 sqft)
Owner	2 Trust Names on File
Last Sale	$92,500 (Feb 2001)
Tax Bill	$9,972 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Aug 2026 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`036-092-19`

Property Details

APN / Parcel Number

Primary APN	`036-092-19`
Alternative APN	`036-092-19-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	2,409 sqft Living Area
Gross Area	2,713 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	4,095 sqft (0.094 acres)
Garage Type	Attached
Garage Area	304 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	416 MONTEREY AVE
City	CAPITOLA
State	CA
Zip	95010-3614
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	MCCORMICK ADD
Legal Lot Number	17
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1014
Census Tract	121801

Owner

416 Monterey Ave is owner-occupied and held in a trust since July 2026.

Source: Santa Cruz County records, as of August 25, 2026

Owner of Record	2 Trust Names on File
Mailing Address	416 MONTEREY AVE, CAPITOLA, CA 95010-3614
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2026	Grant Deed, Transfer · Line of Credit BAY FEDERAL CREDIT UNION
Aug 10, 2026	Grant Deed, Transfer REPUBLIC TITLE COMPANY, OLD REPUBLIC TITLE COMPANY
Aug 12, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage MASON MCDUFFIE MORTGAGE CORP
Aug 13, 2020	Quit Claim Deed, Transfer OLD REPUBLIC TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2001 · Amount on File
Deed Sale	Feb 12, 2001 · Amount on File
Deed Document Number	20017209
Last Transfer Date	Jul 30, 2026
Transfer Doc	0000017968
Record Updated	Oct 29, 2026

August 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 10, 2026
Property Address	416 MONTEREY AVE, CAPITOLA, CA 95010-3614
Document Number	0000017951
Instrument Date	Jul 30, 2026
Instrument	202617951
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	REPUBLIC TITLE COMPANY, OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 MONTEREY AVE, CAPITOLA, CA 95010-3614

Mortgage

Document Number	0000017952,
Date	Aug 10, 2026
Instrument	202617952

Lender

Name	BAY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Aug 15, 2051

Interest

Max Rate	-1%

August 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 10, 2026
Property Address	416 MONTEREY AVE, CAPITOLA, CA 95010-3614
Document Number	0000017968
Instrument Date	Jul 30, 2026
Instrument	202617968
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	REPUBLIC TITLE COMPANY, OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	416 MONTEREY AVE, CAPITOLA, CA 95010-3614

August 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 12, 2020
Property Address	416 MONTEREY AVE, CAPITOLA, CA 95010-3614
Document Number	0000030650
Map Reference	VOL 18 PG 62
Instrument Date	Aug 5, 2020
Instrument	2020-0030650
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

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
Relationship	Community Property with Right of Survivorship
Address	416 MONTEREY AVE, CAPITOLA, CA 95010-3614

Mortgage

Document Number	0000030651
Date	Aug 12, 2020
Instrument	2020-0030651

Lender

Name	MASON MCDUFFIE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 13, 2020
Property Address	416 MONTEREY AVE, CAPITOLA, CA 95010-3614
Document Number	0000030730
Instrument Date	Aug 5, 2020
Instrument	30730
Transaction Type	Transfer
Record Updated	Aug 31, 2020
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	416 MONTEREY AVE CAPITOLA CA 950103614, CAPITOLA, CA 95010-3614

Tax Assessment & Valuation

The 2025 property tax bill for 416 Monterey Ave was $9,972.

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		$768,153 (+2%) Land $307,400 Building $460,753
2025	$9,972.00	$753,090 Land $301,372 Building $451,718
2023	$9,057.00 (+1.27%)	$723,848 Land $289,670 Building $434,178	$1,566,630
2022	$8,943.00

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

Flood

FEMA maps place 416 Monterey Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 416 Monterey Ave is low, with a 0.01% annual chance of 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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