419 Capitola Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 419 Capitola Ave, Capitola, CA 95010

Property Summary

Property Type	Duplex
Details	2 bd · 3 ba · 1,864 sqft · built 2018
Lot Size	0.036 acres (1,568 sqft)
Owner	2 Individual Names on Record
Last Sale	$475,000 (Oct 2013)
Tax Bill	$11,189 (2025)
Deeds & Mortgages	Feb 2021 Mortgage May 2019 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`035-131-26`

Property Details

APN / Parcel Number

Primary APN	`035-131-26`
Alternative APN	`035-131-26-000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Building Area	1,864 sqft Living Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Duplex Single
Construction Type	Wood
Roof Material	Tar & Gravel
Lot Area	1,568 sqft (0.036 acres)
Terrain	Steep

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	419 CAPITOLA AVE
City	CAPITOLA
State	CA
Zip	95010-3356
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	CAPITOLA SUB #6 MAP 000000 00000
Legal Subdivision	CAPITOLA 06
Legal Block	7
Legal Lot Number	9-11
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2019
Census Tract	121802

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Old Riverview Historic District listed 1988 · 55 contributing resources · NRIS 87000626

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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 Record	2 Individual Names on Record
Mailing Address	444 MONTEREY DR, APTOS, CA 95003-4810
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE HOME MORTGAGE LLC
May 7, 2019	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE MORTGAGE
May 1, 2019	Quit Claim Deed, Transfer OLD REPUBLIC TITLE
Jan 20, 2017	Trustee's Deed, Construction Loan · Construction Mortgage LIGHTHOUSE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2013 · Amount on Record
Deed Sale	Oct 28, 2013 · Amount on Record
Deed Document Number	201350980
Last Transfer Date	Jun 28, 2024
Transfer Doc	0000012292
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	419 CAPITOLA AVE, CAPITOLA, CA 95010-3356
Transaction Type	Mortgage
Record Updated	Mar 3, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	419 CAPITOLA AVE, CAPITOLA, CA 95010-3356

Mortgage

Document Number	0000010346
Date	Feb 18, 2021
Instrument	2021-0010346

Lender

Name	COMMERCE HOME MORTGAGE LLC
Type	Mortgage Company
Address	IRVINE, CA 92606

Agreement

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

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	419 CAPITOLA AVE, CAPITOLA, CA 95010-3356
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012065
Date	May 7, 2019
Instrument	2019-0012065

Lender

Name	COMMERCE MORTGAGE
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 1, 2019
Property Address	419 CAPITOLA AVE, CAPITOLA, CA 95010-3356
Document Number	0000011422
Instrument Date	Apr 26, 2019
Instrument	11422
Transaction Type	Transfer
Record Updated	May 15, 2019
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	411 CAPITOLA AVE CAPITOLA CA 950103356, CAPITOLA, CA 95010-3356

January 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 20, 2017
Property Address	419 CAPITOLA AVE, CAPITOLA, CA 95010-3356
Instrument Date	Dec 29, 2016
Instrument	2471
Transaction Type	Construction Loan
Record Updated	Nov 16, 2018
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	411 CAPITOLA AVE CAPITOLA CA 950103356, CAPITOLA, CA 95010-3356

Mortgage

Document Number	0000002471
Date	Jan 20, 2017
Instrument	2471

Lender

Name	LIGHTHOUSE BK
Type	Bank
Address	SANTA CRUZ, CA 95060

Agreement

Type	Construction Mortgage
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
2026		$781,858 (+2%) Land $406,374 Building $375,484
2025	$11,189.00 (+12.24%)	$766,528 (+4.04%) Land $398,406 Building $368,122
2023	$9,969.00 (+1.59%)	$736,762 Land $382,936 Building $353,826
2022	$9,813.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 18 policies
Nearby Flood Policies	18 in force
Nearby Flood Claims	1 (2011)
Most Recent Claim	Mar 2011 · rainfall accumulation

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 Risk	Low lower than 95% of the US · lower than 97% of California
Wildfire Likelihood	Under 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 822 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Surfnet Communications Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Cruzio, GeoLinks, Xfinity.

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