Santa Cruz County property record for 4655 Crystal St, Capitola, CA 95010
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,320 sqft · built 1964 |
| Lot Size | 0.072 acres (3,136 sqft) |
| Owner | Individual Name on File |
| Last Sale | $799,000 (Jun 2015) |
| Tax Bill | $12,245 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit Oct 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 034-031-11 |
| Primary APN | 034-031-11 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Building Area | 1,320 sqft Living Area |
| Gross Area | 1,710 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Construction Type | Wood |
| Roof Material | Other |
| Lot Area | 3,136 sqft (0.072 acres) |
| Garage Type | Attached |
| Garage Area | 390 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Floor/Wall Furnace |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 4655 CRYSTAL ST |
|---|---|
| City | CAPITOLA |
| State | CA |
| Zip | 95010-3815 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | OPAL |
| Legal Block | 2 |
| Legal Lot Number | 13 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 121701 |
4655 Crystal St is owned and occupied by an individual who bought it in June 2015.
Source: Santa Cruz County records, as of August 19, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4655 CRYSTAL ST, CAPITOLA, CA 95010-3815 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 23, 2023 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Oct 6, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 1, 2015 · Amount on File |
| Deed Sale | Jun 1, 2015 · Amount on File |
| Prior Sale | Aug 15, 2014 · Amount on File |
| Deed Document Number | 201521226 |
| Prior Transfer Date | May 5, 2015 |
| Prior Transfer Doc | 0000017415 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 4655 CRYSTAL ST, CAPITOLA, CA 95010-3815 |
| Transaction Type | Mortgage |
| Record Updated | Sep 5, 2023 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Address | 4655 CRYSTAL ST, CAPITOLA, CA 95010-3815 |
| Document Number | 0000015854 |
|---|---|
| Date | Aug 23, 2023 |
| Instrument | 2023-0015854 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | FORT WORTH, TX 76155 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 4655 CRYSTAL ST, CAPITOLA, CA 95010-3815 |
| Document Number | 0000035005 |
| Instrument Date | Oct 6, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES |
| Name | Verified Name |
|---|---|
| Address | 4655 CRYSTAL ST CAPITOLA CA 950103815, CAPITOLA, CA 95010-3815 |
| Document Number | 0000035005 |
|---|---|
| Date | Oct 18, 2017 |
| Instrument | 35005 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 4655 Crystal St was $12,245 with a homeowner's exemption.
Source: Santa Cruz County assessment roll, as of August 19, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $979,485 (+2%) Land $587,691 Building $391,794 | ||
| 2025 | $12,245.00 Homeowner's exemption | $960,278 Land $576,167 Building $384,111 | |
| 2023 | $11,149.00 (+1.18%) Homeowner's exemption | $922,990 Land $553,794 Building $369,196 | $1,063,170 |
| 2022 | $11,019.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4655 Crystal 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.
The area around 4655 Crystal St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 892 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 |
| Cruzio Fixed Wireless | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, GeoLinks, Xfinity.
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