Santa Cruz County property record for 4675 Garnet St, Capitola, CA 95010 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,415 sqft · built 1962 |
| Lot Size | 0.076 acres (3,311 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $1,075,000 (Oct 2018) |
| Tax Bill | $15,038 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage Jun 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 034-033-10 |
| Primary APN | 034-033-10 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,415 sqft Living Area |
| Gross Area | 1,709 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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 | 294 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 345 sqft |
| Patio Area | 345 sqft |
| Heating System | HVAC |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 4675 GARNET ST |
|---|---|
| City | CAPITOLA |
| State | CA |
| Zip | 95010-3114 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | OPAL 01 |
| Legal Block | 6 |
| Legal Lot Number | 12 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 121701 |
Source: Santa Cruz County records · APN 034-033-10
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 Trust Names on File |
|---|---|
| Mailing Address | 1284 CHIANTI CT, PLEASANTON, CA 94566-7217 |
| Owner Type | Individual |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Apr 15, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ENVOY MORTGAGE LTD |
| Jun 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ENVOY MORTGAGE LTD |
| Oct 05, 2018 | Grant Deed, Transfer · Conventional Mortgage STEARNS LENDING LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 05, 2018 · Amount on Record |
| Deed Sale | Oct 05, 2018 · Amount on Record |
| Deed Document Number | 201830317 |
| Prior Transfer Date | Mar 07, 2013 |
| Prior Transfer Doc | 0000023243 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 4675 GARNET ST, CAPITOLA, CA 95010-3114 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2022 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Address | 1284 CHIANTI CT, PLEASANTON, CA 94566-7217 |
| Document Number | 0000012303 |
|---|---|
| Date | Apr 15, 2022 |
| Instrument | 2022-0012303 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Address | HOUSTON, TX 77043 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 219 Months |
| Due | Jul 01, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 4675 GARNET ST, CAPITOLA, CA 95010-3114 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | OLD REPUBLIC TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000022554 |
|---|---|
| Date | Jun 25, 2020 |
| Instrument | 2020-0022554 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Address | HOUSTON, TX 77043 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jul 01, 2040 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Oct 05, 2018 |
| Property Address | 4675 GARNET ST, CAPITOLA, CA 95010-3114 |
| Document Number | 0000030317 |
| Map Reference | VOL 18 PG 40 |
| Instrument Date | Sep 21, 2018 |
| Instrument | 2018-0030317 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 1284 CHIANTI CT, PLEASANTON, CA 94566-7217 |
| Document Number | 0000030318 |
|---|---|
| Date | Oct 05, 2018 |
| Instrument | 2018-0030318 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2048 |
Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 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) |
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 | $1,223,167 (+2%) Land $917,375 Building $305,792 | ||
| 2025 | $15,038.00 (+9.56%) | $1,199,183 (+4.04%) Land $899,387 Building $299,796 | |
| 2023 | $13,726.00 (+1.08%) | $1,152,617 Land $864,463 Building $288,154 | $1,153,890 |
| 2022 | $13,579.00 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| 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.
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.
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