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4555 Emerald St, Capitola, CA 95010 Property Records

Santa Cruz County property record for 4555 Emerald St, Capitola, CA 95010

Property Summary

Property TypeSingle Family Home
Details1 bd · 1 ba · 786 sqft · built 1945
Lot Size0.072 acres (3,136 sqft)
OwnerCompany Name on File
Tax Bill$5,950 (2025)
Deeds & MortgagesSep 2020 Reverse Mortgage
Sep 2020 Mortgage
+ 5 more
Flood ZoneZone X (minimal risk)
APN034-032-17

Property Details

APN / Parcel Number

Primary APN034-032-17
Alternative APN
  • 034-032-17-000

Interior

Bedrooms1 Bed
Full Baths1 Bath
Total Rooms4 Rooms
Building Area786 sqft Living Area
Gross Area1,002 sqft

Exterior

Year BuiltBuilt 1945
Effective Year BuiltEffective 1945
Construction TypeWood
Roof MaterialComposition Shingle
Lot Area3,136 sqft (0.072 acres)
Garage TypeAttached
Garage Area216 sqft
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Heating SystemHVAC
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address4555 EMERALD ST
CityCAPITOLA
StateCA
Zip95010-3821
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal SubdivisionOPAL 01/FAIRVIEW
Legal Lot Number18
JurisdictionSANTA CRUZ CA
Township / Civil DivisionSANTA CRUZ
Census Block Group1
Census Block1009
Census Tract121701

Owner

Source: Santa Cruz County records · APN 034-032-17

Assessment roll updated August 19, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on File
Mailing Address4555 EMERALD ST, CAPITOLA, CA 95010-3821
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

Deeds, Mortgages & Sale History

DateDocument
Sep 25, 2020Deed of Trust, Mortgage · Reverse Mortgage
AMERICAN ADVISORS GROUP
Sep 16, 2020Deed of Trust, Mortgage · FHA Mortgage
COMMISSIONER/HSNG & URBAN DEV
Aug 29, 2018Deed of Trust, Mortgage
AMERICAN ADVISORS
Jul 13, 2017Quit Claim Deed, Transfer
FIRST AMERICAN TITLE
Jul 12, 2017Intrafamily Transfer, Transfer · Line of Credit
BAY FCU
May 23, 2017Quit Claim Deed, Transfer
Quitclaim
May 22, 2017Quit Claim Deed, Transfer · Conventional Mortgage
STEARNS LNDG

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last Transfer DateJul 06, 2017
Transfer Doc0000022860
Record UpdatedSep 20, 2026

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address4555 EMERALD ST, CAPITOLA, CA 95010-3821
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyFNC TITLE SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address4555 EMERALD ST, CAPITOLA, CA 95010-3821

Mortgage

Document Number0000038435
DateSep 25, 2020
Instrument2020-0038435
Lender
NameAMERICAN ADVISORS GROUP
TypeMortgage Company
AddressPLANO, TX 75024
Agreement
TypeReverse Mortgage
AmountAmount Recorded
Term839 Months
DueAug 17, 2090
Interest
Rate TypeAdjustable Rate
Rate2.91%

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address4555 EMERALD ST, CAPITOLA, CA 95010-3821
Document Number0000038436
Instrument DateSep 16, 2020
Transaction TypeMortgage
Record UpdatedOct 07, 2020
Title CompanyFNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address4555 EMERALD ST CAPITOLA CA 950103821, CAPITOLA, CA 95010-3821

Mortgage

Document Number0000038436
DateSep 25, 2020
Instrument38436
Lender
NameCOMMISSIONER/HSNG & URBAN DEV
Address451 7TH ST SW, WASHINGTON, DC 20410-0001
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term840 Months
DueSep 24, 2090
Interest
Rate TypeAdjustable Rate
Rate2.91%

August 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address4555 EMERALD ST, CAPITOLA, CA 95010-3821
Document Number0000027601
Instrument DateAug 29, 2018
Transaction TypeMortgage
Record UpdatedSep 27, 2018
Title CompanyPLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address4555 EMERALD ST CAPITOLA CA 950103821, CAPITOLA, CA 95010-3821

Mortgage

Document Number0000027601
DateSep 10, 2018
Instrument27601
Lender
NameAMERICAN ADVISORS
Address3800 W CHAPMAN AVE # 3RD, ORANGE, CA 92868-1638
Agreement
AmountAmount Recorded
Interest
Rate TypeFixed Rate

July 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSANTA CRUZ CA
Recording DateJul 13, 2017
Property Address4555 EMERALD ST, CAPITOLA, CA 95010-3821
Document Number0000022860
Instrument DateJul 06, 2017
Instrument22860
Transaction TypeTransfer
Record UpdatedJul 25, 2017
Title CompanyFIRST AMERICAN TITLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address4555 EMERALD ST CAPITOLA CA 950103821, CAPITOLA, CA 95010-3821

July 2017: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSANTA CRUZ CA
Recording DateJul 12, 2017
Property Address4555 EMERALD ST, CAPITOLA, CA 95010-3821
Document Number0000022740
Map ReferenceMAP18 PG40
Instrument DateJul 06, 2017
Instrument2017-0022740
Transaction TypeTransfer
Record UpdatedAug 17, 2021
Title CompanyFIRST AMERICAN TITLE COMPANY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4555 EMERALD ST, CAPITOLA, CA 95010-3821

Mortgage

Document Number0000022741
DateJul 12, 2017
Instrument2017-0022741
Lender
NameBAY FCU
TypeCredit Union
Agreement
TypeLine of Credit
AmountAmount Recorded
Term301 Months
DueAug 15, 2042
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

May 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSANTA CRUZ CA
Recording DateMay 23, 2017
Property Address4555 EMERALD ST, CAPITOLA, CA 95010-3821
Document Number0000016824
Instrument DateMay 16, 2017
Instrument16824
Transaction TypeTransfer
Record UpdatedJun 05, 2017

Transaction

Tax$0.00
Amount AccuracyFull Value
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address4555 EMERALD ST CAPITOLA CA 950103821, CAPITOLA, CA 95010-3821

May 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSANTA CRUZ CA
Recording DateMay 22, 2017
Property Address4555 EMERALD ST, CAPITOLA, CA 95010-3821
Document Number0000016770
Instrument DateMay 16, 2017
Instrument16770
Transaction TypeTransfer
Record UpdatedNov 16, 2018
Title CompanyOLD REPUBLIC TITLE

Transaction

Tax$0.00
Amount AccuracyFull Value
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4555 EMERALD ST CAPITOLA CA 950103821, CAPITOLA, CA 95010-3821

Mortgage

Document Number16771
DateMay 22, 2017
Instrument16771
Lender
NameSTEARNS LNDG
AddressSANTA ANA, CA 92707-8788
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 21, 2047

Tax Assessment & Valuation

Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
MunicipalityCapitola City
Secondary School DistrictSanta Cruz City High School District (9-12) (09 - 12)
Elementary School DistrictSoquel Elementary School District (KG - 08)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$413,964 (+2%) Land $297,620 Building $116,344
2025$5,950.00 (+11.3%) Homeowner's exemption$405,848 (+4.04%) Land $291,785 Building $114,063
2023$5,346.00 (+1.69%) Homeowner's exemption$390,087 Land $280,454 Building $109,633$937,800
2022$5,257.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskNot rated
no burnable land within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 892 locations within half a mile · Last verified October 2026

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Cruzio Internet
Fixed Wireless		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile USA
Fixed Wireless		100 / 20

May also be available: AT&T, California Internet, Xfinity.

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water SystemSOQUEL CREEK WATER DISTRICT
serves 40,962 people
Water SourcePurchased surface water from several systems
Last State InspectionJun 2023
Lead2 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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