4725 Clares St, Capitola, CA 95010 Property Records

Santa Cruz County property record for 4725 Clares St, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,491 sqft · built 1997
Lot Size	0.07 acres (3,049 sqft)
Owner	2 Individual Names on File
Last Sale	$778,000 (Mar 2016)
Tax Bill	$11,879 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Nov 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`034-541-32`

Property Details

APN / Parcel Number

Primary APN	`034-541-32`
Alternative APN	`034-541-32-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,491 sqft Living Area
Gross Area	1,907 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Contemporary
Exterior Material	Brick
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	3,049 sqft (0.07 acres)
Garage Type	Attached
Garage Area	416 sqft
Parking Spaces	2 Parking Spaces
Deck Area	57 sqft
Patio Area	57 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4725 CLARES ST
City	CAPITOLA
State	CA
Zip	95010-2068
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 1398 LOT 44
Legal Subdivision	CLARES/WHARF SITE TR 1398
Legal Tract	1398
Legal Lot Number	44
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	3
Census Block	3006
Census Tract	121701

Owner

4725 Clares St is owned and occupied by two individuals who bought it in March 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	4725 CLARES ST, CAPITOLA, CA 95010-2068
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Jul 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Nov 10, 2025	Deed of Trust, Mortgage · Line of Credit BAY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2016 · Amount on File
Deed Sale	Mar 22, 2016 · Amount on File
Prior Sale	Dec 9, 2013 · Amount on File
Deed Document Number	20169618
Prior Transfer Date	Jan 5, 2011
Prior Transfer Doc	0000007744
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4725 CLARES ST, CAPITOLA, CA 95010-2068
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4725 CLARES ST, CAPITOLA, CA 95010-2068

Mortgage

Document Number	0000038260
Date	Jul 20, 2021
Instrument	2021-0038260

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2041

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4725 CLARES ST, CAPITOLA, CA 95010-2068
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4725 DARES STREET, CAPITOLA, CA 95010

Mortgage

Document Number	0000024052
Date	Nov 10, 2025
Instrument	2025-0024052

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Nov 15, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 4725 Clares St was $11,879.

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		$939,415 (+2%) Land $563,649 Building $375,766
2025	$11,879.00	$920,995 Land $552,597 Building $368,398
2023	$10,815.00 (+1.19%)	$885,232 Land $531,139 Building $354,093	$1,088,100
2022	$10,688.00

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

Flood

FEMA maps place 4725 Clares St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective July 10, 2019

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 4725 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.

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