Santa Cruz County property record for 4315 Capitola Rd, Capitola, CA 95010
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 896 sqft · built 1946 |
| Lot Size | 0.123 acres (5,358 sqft) |
| Owner | Individual Name on File |
| Last Sale | $690,000 (Dec 2018) |
| Tax Bill | $10,051 (2025) |
| Deeds & Mortgages | Nov 2023 Transfer Dec 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 034-122-04 |
| Primary APN | 034-122-04 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 896 sqft Living Area |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1946 |
| Construction Type | Wood |
| Fire Resistance | Wood or Wood & Steel Frame |
| Lot Area | 5,358 sqft (0.123 acres) |
| Street Address | 4315 CAPITOLA RD |
|---|---|
| City | CAPITOLA |
| State | CA |
| Zip | 95010-3517 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | CAPITOLA HEIGHTS |
| Legal Block | G |
| Legal Lot Number | 3,4 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 121701 |
4315 Capitola Rd is owned by an individual who acquired it in November 2023.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4315 CAPITOLA RD, CAPITOLA, CA 95010-3517 |
| Owner Type | Individual |
| Vesting | Life Tenant |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 27, 2023 | Intrafamily Transfer, Transfer |
| Dec 18, 2018 | Grant Deed, Transfer · Conventional Mortgage STEARNS LENDING LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 18, 2018 · Amount on File |
| Deed Sale | Dec 18, 2018 · Amount on File |
| Prior Sale | Jan 25, 2010 · Amount on File |
| Deed Document Number | 201837731 |
| Last Transfer Date | Nov 19, 2023 |
| Transfer Doc | 0000022701 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Nov 27, 2023 |
| Property Address | 4315 CAPITOLA RD, CAPITOLA, CA 95010-3517 |
| Document Number | 0000022701 |
| Map Reference | VOL 13 PG 31 |
| Instrument Date | Nov 19, 2023 |
| Instrument | 2023-0022701 |
| Transaction Type | Transfer |
| Record Updated | Dec 13, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 4315 CAPITOLA RD, CAPITOLA, CA 95010-3517 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Dec 18, 2018 |
| Property Address | 4315 CAPITOLA RD, CAPITOLA, CA 95010-3517 |
| Document Number | 0000037731 |
| Map Reference | VOL 13 PG 31 |
| Instrument Date | Dec 13, 2018 |
| Instrument | 2018-0037731 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1665 ALEXANDER CT, LOS ALTOS, CA 94024-6200 |
| Document Number | 0000037732 |
|---|---|
| Date | Dec 18, 2018 |
| Instrument | 2018-0037732 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2049 |
The 2025 property tax bill for 4315 Capitola Rd was $10,051.
Source: Santa Cruz County assessment roll, as of August 19, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $785,102 (+2%) Land $606,463 Building $178,639 | ||
| 2025 | $10,051.00 | $769,708 Land $594,572 Building $175,136 | |
| 2023 | $9,121.00 (+1.28%) | $739,820 Land $571,484 Building $168,336 | $808,470 |
| 2022 | $9,006.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4315 Capitola Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2022.
Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2022) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Dec 2022 · Severe Winter Storms, Flooding, Landslides, And Mudslides |
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.
The area around 4315 Capitola Rd has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 892 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 |
| Cruzio Fixed Wireless | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, GeoLinks, Xfinity.
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