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4555 Opal St, Capitola, CA 95010 Property Records

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

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,543 sqft · built 1961
Lot Size0.074 acres (3,223 sqft)
Owner2 Individual Names on File
Last Sale$1,425,000 (Jun 2019)
Tax Bill$18,775 (2025)
Deeds & MortgagesJun 2019 Sale & Mortgage
Nov 2018 Transfer
+ 1 more
Flood ZoneZone X (minimal risk)
APN034-061-17

Property Details

APN / Parcel Number

Primary APN034-061-17
Alternative APN
  • 034-061-17-000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Building Area1,543 sqft Living Area
Gross Area2,053 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1961
Effective Year BuiltEffective 2000
Construction TypeWood
Roof MaterialComposition Shingle
Lot Area3,223 sqft (0.074 acres)
Garage TypeAttached
Garage Area510 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemWall Unit
Heating SystemFloor/Wall Furnace
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address4555 OPAL ST
CityCAPITOLA
StateCA
Zip95010-3126
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal SubdivisionOPAL 01/FAIRVIEW
Legal Block10
Legal Lot Number18,19
JurisdictionSANTA CRUZ CA
Township / Civil DivisionSANTA CRUZ
Census Block Group1
Census Block1025
Census Tract121701

Owner

Source: Santa Cruz County records · APN 034-061-17

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 Record2 Individual Names on File
Mailing Address1230 MONTCLAIRE WAY, LOS ALTOS, CA 94024-6728
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 24, 2019Grant Deed, Transfer · ARM
FIRST REPUBLIC BANK
Nov 28, 2018Quit Claim Deed, Transfer
TITLE COMPANY LLC, TITLE CO LLC
Oct 30, 2018Quit Claim Deed, Transfer
CITY LIGHTS FINANCIAL EXPRESS INC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 24, 2019 · Amount on Record
Deed SaleJun 24, 2019 · Amount on Record
Deed Document Number201917106
Prior Transfer DateNov 07, 2018
Prior Transfer Doc0000035393
Record UpdatedSep 20, 2026

June 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSANTA CRUZ CA
Recording DateJun 24, 2019
Property Address4555 OPAL ST, CAPITOLA, CA 95010-3126
Document Number0000017106
Map ReferenceVOL 18 PG 40
Instrument DateJun 19, 2019
Instrument2019-0017106
Transaction TypeTransfer
Record UpdatedAug 17, 2021
Title CompanyOLD REPUBLIC TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property
Address1230 MONTCLAIRE WAY, LOS ALTOS, CA 94024-6728

Mortgage

Document Number0000017107
DateJun 24, 2019
Instrument2019-0017107
Lender
NameFIRST REPUBLIC BANK
TypeBank
Agreement
TypeARM
AmountAmount Recorded
Term361 Months
DueJul 01, 2049
Interest
Rate TypeAdjustable Rate
Rate3.2%
Type Change DateJul 01, 2029
Change FrequencyAnnually
Min Rate At Change2.95%
Index1-Year CMT
Max Rate10.9%

November 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSANTA CRUZ CA
Recording DateNov 28, 2018
Property Address4555 OPAL ST, CAPITOLA, CA 95010-3126
Document Number0000035393
Instrument DateNov 07, 2018
Instrument35393
Transaction TypeTransfer
Record UpdatedDec 17, 2018
Title CompanyTITLE COMPANY LLC, TITLE CO LLC

Transaction

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

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address4555 OPAL ST CAPITOLA CA 950103126, CAPITOLA, CA 95010-3126

October 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSANTA CRUZ CA
Recording DateOct 30, 2018
Property Address4555 OPAL ST, CAPITOLA, CA 95010-3126
Document Number0000032784
Instrument DateOct 23, 2018
Instrument32784
Transaction TypeTransfer
Record UpdatedNov 19, 2018
Title CompanyFIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE ORANGE CN

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address4555 OPAL ST CAPITOLA CA 950103126, CAPITOLA, CA 95010-3126

Mortgage

Document Number32785
DateOct 30, 2018
Instrument32785
Lender
NameCITY LIGHTS FINANCIAL EXPRESS INC
TypeBank
Address29134 ROADSIDE DR # 106, AGOURA HILLS, CA 91301-6003
Agreement
AmountAmount Recorded
Term360 Months
DueOct 29, 2048
Interest
Rate TypeAdjustable Rate
Rate6.37%

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$1,558,827 (+2%) Land $989,912 Building $568,915
2025$18,775.00 (+9.34%)$1,528,262 (+4.04%) Land $970,502 Building $557,760
2023$17,171.00 (+1.01%)$1,468,917 Land $932,816 Building $536,101$1,574,100
2022$16,999.00

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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