4570 Opal St, Capitola, CA 95010 Property Records

Santa Cruz County property record for 4570 Opal St, Capitola, CA 95010 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,034 sqft · built 1962
Lot Size	0.076 acres (3,311 sqft)
Owner	2 Company Names on File
Last Sale	$40,000 (Feb 2002)
Tax Bill	$7,380 (2025)
Deeds & Mortgages	May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`034-062-04`

Property Details

APN / Parcel Number

Primary APN	`034-062-04`
Alternative APN	`034-062-04-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,034 sqft Living Area
Gross Area	1,307 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	3,311 sqft (0.076 acres)
Garage Type	Attached
Garage Area	273 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4570 OPAL ST
City	CAPITOLA
State	CA
Zip	95010-3127
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	OPAL 01/FAIRVIEW TR
Legal Block	12
Legal Lot Number	4
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1024
Census Tract	121701

Owner

Source: Santa Cruz County records · APN 034-062-04

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 Record	2 Company Names on File
Mailing Address	4570 OPAL ST, CAPITOLA, CA 95010-3127
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 22, 2002 · Amount on Record
Deed Sale	Feb 22, 2002 · Amount on Record
Prior Sale	Sep 15, 2000 · Amount on Record
Deed Document Number	200213800
Last Transfer Date	May 09, 2012
Transfer Doc	0000023583
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4570 OPAL ST, CAPITOLA, CA 95010-3127
Transaction Type	Mortgage
Record Updated	May 27, 2021
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4570 OPAL ST, CAPITOLA, CA 95010-3127

Mortgage

Document Number	0000027383
Date	May 13, 2021
Instrument	2021-0027383

Lender

Name	JWH FINANCIAL INC
Type	Funding / Finance Company
Address	IRVINE, CA 92614

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2051

Tax Assessment & Valuation

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$542,467 (+2%) Land $422,672 Building $119,795
2025	$7,380.00 (+10.73%) Homeowner's exemption	$531,831 (+4.04%) Land $414,385 Building $117,446
2023	$6,665.00 (+1.51%) Homeowner's exemption	$511,180 Land $398,294 Building $112,886	$854,190
2022	$6,566.00

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond 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 · Published October 2026 · based on 892 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Cruzio Internet	Fixed Wireless (unlicensed)	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Xfinity, AT&T, Spectrum, California Internet. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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