4435 Clares St, Capitola, CA 95010 Property Records

Santa Cruz County property record for 4435 Clares St, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 3,089 sqft · built 1927
Lot Size	0.175 acres (7,623 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,952 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Sep 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`034-651-03`

Property Details

APN / Parcel Number

Primary APN	`034-651-03`
Alternative APNs	`034-651-03-000` `03424120000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Building Area	3,089 sqft Living Area
Gross Area	3,425 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Effective Year Built	Effective 2005
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	7,623 sqft (0.175 acres)
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4435 CLARES ST
City	CAPITOLA
State	CA
Zip	95010-2018
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	CLARES/WHARF SITE
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	3
Census Block	3001
Census Tract	121701

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	4435 CLARES ST, CAPITOLA, CA 95010-2018
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2025	Deed of Trust, Mortgage · VA Mortgage CROSSCOUNTRY MORTGAGE LLC
Sep 1, 2022	Correction Deed

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4435 CLARES ST, CAPITOLA, CA 95010-2018
Transaction Type	Mortgage
Record Updated	Dec 18, 2025
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4435 CLARES ST, CAPITOLA, CA 95010-2018

Mortgage

Document Number	0000025919
Date	Dec 3, 2025
Instrument	2025-0025919

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

September 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 1, 2022
Property Address	4435 CLARES ST, CAPITOLA, CA 95010-2018
Document Number	0000024874
Map Reference	VOL 91 PG 12
Instrument Date	Jul 28, 2022
Instrument	2022-0024874
Record Updated	Oct 12, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	4435 CLARES ST, CAPITOLA, CA 95010-2018

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		$1,431,829 (+189.78%) Land $859,097 Building $572,732
2025	$6,952.00 (+10.88%) Homeowner's exemption	$494,112 (+4.04%) Land $277,396 Building $216,716
2023	$6,270.00 (+1.55%) Homeowner's exemption	$474,924 Land $266,624 Building $208,300	$1,463,130
2022	$6,174.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective July 10, 2019

FEMA Flood Zone	Zone X minimal risk
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 752 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
Surfnet Communications Fixed Wireless	100 / 20

May also be available: AT&T, Cruzio, GeoLinks, T-Mobile, Verizon, Xfinity.

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