4605 Clares St, Capitola, CA 95010 Property Records

Santa Cruz County property record for 4605 Clares St, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,691 sqft · built 1997
Lot Size	0.06 acres (2,614 sqft)
Owner	2 Individual Names on File
Last Sale	$1,650,000 (Mar 2022)
Tax Bill	$21,304 (2025)
Deeds & Mortgages	Mar 2022 Sale Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`034-541-28`

Property Details

APN / Parcel Number

Primary APN	`034-541-28`
Alternative APN	`034-541-28-000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	1,691 sqft Living Area
Gross Area	2,107 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	2,614 sqft (0.06 acres)
Garage Type	Attached
Garage Area	416 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4605 CLARES ST
City	CAPITOLA
State	CA
Zip	95010-2066
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 1398 LOT 40
Legal Subdivision	CLARES/WHARF SITE TR 1398
Legal Tract	1398
Legal Lot Number	40
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	3
Census Block	3006
Census Tract	121701

Owner

4605 Clares St is owned by two individuals who bought it in March 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	2708 SANDERLING WAY, PLEASANTON, CA 94566-4526
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
Mar 23, 2022	Grant Deed, Transfer FIRST AMERICAN TITLE COMPANY
Mar 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Sep 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREMONT BANK
Jun 27, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 23, 2022 · Amount on File
Deed Sale	Mar 23, 2022 · Amount on File
Prior Sale	Aug 3, 2007 · Amount on File
Deed Document Number	20229506
Prior Transfer Date	Dec 17, 2014
Prior Transfer Doc	0000000346
Record Updated	Sep 20, 2026

March 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 23, 2022
Property Address	4605 CLARES ST, CAPITOLA, CA 95010-2062
Document Number	0000009506
Map Reference	VOL 91 PG 12
Instrument Date	Mar 21, 2022
Instrument	2022-0009506
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$1,815.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	2708 SANDERLING WAY, PLEASANTON, CA 94566-4526

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4605 CLARES ST, CAPITOLA, CA 95010-2062
Transaction Type	Mortgage
Record Updated	Mar 17, 2021
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4605 CLARES ST, CAPITOLA, CA 95010-2062

Mortgage

Document Number	0000012747
Date	Mar 2, 2021
Instrument	2021-0012747

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4605 CLARES ST, CAPITOLA, CA 95010-2062
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4605 CLARES ST, CAPITOLA, CA 95010-2062

Mortgage

Document Number	0000037199
Date	Sep 21, 2020
Instrument	2020-0037199

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4605 CLARES ST, CAPITOLA, CA 95010-2062
Document Number	0000021612
Instrument Date	Jun 27, 2018
Transaction Type	Mortgage
Record Updated	Aug 7, 2018
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4605 CLARES ST CAPITOLA CA 950102062, CAPITOLA, CA 95010-2062

Mortgage

Document Number	0000021612
Date	Jul 17, 2018
Instrument	21612

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4605 Clares St was $21,304.

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		$1,786,013 (+2%) Land $1,250,209 Building $535,804
2025	$21,304.00	$1,750,993 Land $1,225,695 Building $525,298
2023	$19,502.00 (+57.55%)	$1,683,000 Land $1,178,100 Building $504,900	$1,509,750
2022	$12,378.00

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

Flood

FEMA maps place 4605 Clares St 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

Wildfire risk around 4605 Clares St is low, with a 0.01% annual chance of 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.

Nearby Properties on Clares St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures