4655 Capitola Rd, Capitola, CA 95010 Property Records

Santa Cruz County property record for 4655 Capitola Rd, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,411 sqft · built 1979
Lot Size	0.108 acres (4,704 sqft)
Owner	Individual Name on Record
Last Sale	$785,000 (Aug 2015)
Tax Bill	$11,973 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Dec 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`034-021-38`

Property Details

APN / Parcel Number

Primary APN	`034-021-38`
Alternative APN	`034-021-38-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,411 sqft Living Area
Gross Area	1,879 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	4,704 sqft (0.108 acres)
Garage Type	Attached
Garage Area	468 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4655 CAPITOLA RD
City	CAPITOLA
State	CA
Zip	95010-3850
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	CAPITOLA HEIGHTS
Legal Lot Number	3
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2008
Census Tract	121701

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	5322 SPILMAN AVE, SACRAMENTO, CA 95819-1734
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRI COUNTIES BANK
Dec 27, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2015 · Amount on Record
Deed Sale	Aug 18, 2015 · Amount on Record
Deed Document Number	201533768
Prior Transfer Date	Jun 19, 1996
Prior Transfer Doc	0000038339
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4655 CAPITOLA RD, CAPITOLA, CA 95010-3850
Document Number	0000030461
Instrument Date	Aug 5, 2020
Transaction Type	Mortgage
Record Updated	Aug 31, 2020
Title Company	NATIONAL CLOSING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5322 SPILMAN AVE SACRAMENTO CA 958191734, SACRAMENTO, CA 95819-1734

Mortgage

Document Number	0000030461
Date	Aug 11, 2020
Instrument	30461

Lender

Name	TRI COUNTIES BANK
Type	Bank
Address	CHICO, CA 95973

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 10, 2035

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 27, 2017
Property Address	4655 CAPITOLA RD, CAPITOLA, CA 95010-3850
Document Number	0000044027
Instrument Date	Dec 22, 2017
Instrument	44027
Transaction Type	Transfer
Record Updated	Jan 19, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	5322 SPILMAN AVE SACRAMENTO CA 958191734, SACRAMENTO, CA 95819-1734

Tax Assessment & Valuation

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		$947,867 (+2%) Land $754,671 Building $193,196
2025	$11,973.00 (+9.83%)	$929,282 (+4.04%) Land $739,874 Building $189,408
2023	$10,901.00 (+1.18%)	$893,196 Land $711,143 Building $182,053	$995,220
2022	$10,774.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2022 · Severe Winter Storms, Flooding, Landslides, And Mudslides

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 97.4% of California
Wildfire Likelihood	Under 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.

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