4705 Garnet St, Capitola, CA 95010 Property Records

Santa Cruz County property record for 4705 Garnet St, Capitola, CA 95010 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,276 sqft · built 1963
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on File
Last Sale	$1,735,000 (Jun 2026)
Tax Bill	$13,114 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Feb 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`034-037-20`

Property Details

APN / Parcel Number

Primary APN	`034-037-20`
Alternative APN	`034-037-20-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	1,276 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1995
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	3,049 sqft (0.07 acres)
Garage Type	Carport
Garage Area	458 sqft
Carport	Carport
Carport Area	458 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4705 GARNET ST
City	CAPITOLA
State	CA
Zip	95010-3116
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	OPAL 01
Legal Block	5
Legal Lot Number	22
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1028
Census Tract	121701

Owner

Source: Santa Cruz County records · APN 034-037-20

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	Individual Name on File
Mailing Address	4705 GARNET ST, CAPITOLA, CA 95010-3116
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2026	Grant Deed, Transfer · Conventional Mortgage LOAN STORE
Feb 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Nov 05, 2025	Grant Deed, Transfer · Balloon Mortgage TARA WELLHOEFER IRA 210341
Nov 05, 2025	Intrafamily Transfer, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY
Apr 04, 2018	Quit Claim Deed, Transfer CHICAGO TITLE INC COMPANY
Apr 04, 2018	Grant Deed, Transfer · Conventional Mortgage BAY FCU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 24, 2026 · Amount on Record
Deed Sale	Jun 24, 2026 · Amount on Record
Prior Sale	Nov 05, 2025 · Amount on Record
Deed Document Number	202614230
Prior Transfer Date	Apr 02, 2018
Prior Transfer Doc	0000009934
Record Updated	Sep 20, 2026

June 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 24, 2026
Property Address	4705 GARNET ST, CAPITOLA, CA 95010-3116
Document Number	0000014230
Instrument Date	Jun 22, 2026
Instrument	202614230
Transaction Type	Transfer
Record Updated	Jul 07, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$192,758.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4705 GARNET ST, CAPITOLA, CA 95010-3116

Mortgage

Document Number	0000014231,
Date	Jun 24, 2026
Instrument	202614231

Lender

Name	LOAN STORE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4705 GARNET ST, CAPITOLA, CA 95010-3116
Transaction Type	Mortgage
Record Updated	Apr 02, 2026
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4705 GARNET ST, CAPITOLA, CA 95010-3116

Mortgage

Document Number	0000009109
Date	Feb 12, 2021
Instrument	2021-0009109

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2051

November 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 05, 2025
Property Address	4705 GARNET ST, CAPITOLA, CA 95010-3116
Document Number	0000023728
Map Reference	VOL 18 PG 40
Instrument Date	Nov 04, 2025
Instrument	2025-0023728
Transaction Type	Transfer
Record Updated	Apr 02, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,045.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9000 SOQUEL AVE STE 200, 200, SANTA CRUZ, CA 95062-2097
Investor	Possibly a Property Investor

Mortgage

Document Number	0000023730
Date	Nov 05, 2025
Instrument	2025-0023730

Lender

Name	TARA WELLHOEFER IRA 210341
Type	Non-Lending Institution

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Nov 01, 2026

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 05, 2025
Property Address	4705 GARNET ST, CAPITOLA, CA 95010-3116
Document Number	0000023729
Map Reference	VOL 18 PG 40
Instrument Date	Oct 29, 2025
Instrument	2025-0023729
Transaction Type	Transfer
Record Updated	Nov 21, 2025
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9000 SOQUEL AVE STE 200, 200, SANTA CRUZ, CA 95062-2097
Investor	Possibly a Property Investor

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 04, 2018
Property Address	4705 GARNET ST, CAPITOLA, CA 95010-3116
Document Number	0000009934
Instrument Date	Apr 02, 2018
Instrument	9934
Transaction Type	Transfer
Record Updated	Apr 19, 2018
Title Company	CHICAGO TITLE INC COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	4705 GARNET ST CAPITOLA CA 950103116, CAPITOLA, CA 95010-3116

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 04, 2018
Property Address	4705 GARNET ST, CAPITOLA, CA 95010-3116
Document Number	0000009933
Map Reference	MB 18 PG 40
Instrument Date	Mar 16, 2018
Instrument	2018-0009933
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	CHICAGO TITLE INSURANCE COMP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4705 GARNET ST, CAPITOLA, CA 95010-3116

Mortgage

Document Number	0000009935
Date	Apr 04, 2018
Instrument	2018-0009935

Lender

Name	BAY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2048

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		$950,000 (-7.74%) Land $722,000 Building $228,000
2025	$13,114.00 (+9.71%)	$1,029,736 (+4.04%) Land $720,815 Building $308,921
2023	$11,953.00 (+1.14%)	$989,750 Land $692,825 Building $296,925	$1,035,090
2022	$11,818.00

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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