4450 Diamond St, Apt 3, Capitola, CA 95010 Property Records

Santa Cruz County property record for 4450 Diamond St, Apt 3, Capitola, CA 95010

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 890 sqft · built 1972
Lot Size	0.011 acres (479 sqft)
Owner	Individual Name on File
Last Sale	$465,000 (Jul 2019)
Tax Bill	$7,023 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`034-632-07`

Property Details

APN / Parcel Number

Primary APN	`034-632-07`
Alternative APN	`034-632-07-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	890 sqft Living Area

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Condo/Apartment
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	479 sqft (0.011 acres)
Garage Type	Carport
Garage Area	231 sqft
Carport	Carport
Carport Area	231 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4450 DIAMOND ST, 3
City	CAPITOLA
State	CA
Zip	95010-3052
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Subdivision	533 CAPITOLA SHORES
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1021
Census Tract	121701

Owner

4450 Diamond St, Apt 3 is owned and occupied by an individual who bought it in July 2019.

Source: Santa Cruz County records, as of August 19, 2026

Owner of Record	Individual Name on File
Mailing Address	4450 DIAMOND ST, 3, CAPITOLA, CA 95010-3052
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Jul 19, 2019	Grant Deed, Transfer · Conventional Mortgage BNC NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 19, 2019 · Amount on File
Deed Sale	Jul 19, 2019 · Amount on File
Deed Document Number	201920331
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4450 DIAMOND ST APT 3, 3, CAPITOLA, CA 95010-3052
Transaction Type	Mortgage
Record Updated	Oct 5, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4450 DIAMOND ST, CAPITOLA, CA 95010-3052

Mortgage

Document Number	0000048272
Date	Sep 21, 2021
Instrument	2021-0048272

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

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

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 19, 2019
Property Address	4450 DIAMOND ST APT 3, 3, CAPITOLA, CA 95010-3052
Document Number	0000020331
Map Reference	VOL 53 PG 16
Instrument Date	Jul 15, 2019
Instrument	2019-0020331
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4450 DIAMOND ST APT 3, 3, CAPITOLA, CA 95010-3052

Mortgage

Document Number	0000020332
Date	Jul 19, 2019
Instrument	2019-0020332

Lender

Name	BNC NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4450 Diamond St, Apt 3 was $7,023.

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		$518,716 (+2%) Land $363,101 Building $155,615
2025	$7,023.00	$508,546 Land $355,982 Building $152,564
2023	$6,352.00 (+1.39%)	$488,798 Land $342,159 Building $146,639	$530,550
2022	$6,265.00

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

Flood

FEMA maps place 4450 Diamond St, Apt 3 in Zone X, an area of minimal flood risk.

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

The area around 4450 Diamond St, Apt 3 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.

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 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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