4730 Opal St, Capitola, CA 95010 Property Records

Santa Cruz County property record for 4730 Opal St, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,096 sqft · built 1963
Lot Size	0.074 acres (3,223 sqft)
Owner	Individual Name on File
Last Sale	$991,000 (Mar 2018)
Tax Bill	$14,221 (2025)
Deeds & Mortgages	Jun 2019 Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`034-065-02`

Property Details

APN / Parcel Number

Primary APN	`034-065-02`
Alternative APN	`034-065-02-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	1,096 sqft Living Area
Gross Area	1,465 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	3,223 sqft (0.074 acres)
Garage Type	Attached
Garage Area	369 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4730 OPAL ST
City	CAPITOLA
State	CA
Zip	95010-3131
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLK 11 LOT 2
Legal Subdivision	OPAL SUB #1/FAIRVIEW TR
Legal Block	11
Legal Lot Number	2
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1030
Census Tract	121701

Owner

Source: Santa Cruz County assessment roll, 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 File
Mailing Address	303 OAKCREST RD, SAN ANSELMO, CA 94960-1249
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage CAL MUTUAL INC
Mar 5, 2018	Grant Deed, Transfer · Conventional Mortgage CAL MUTUAL INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 5, 2018 · Amount on Record
Deed Sale	Mar 5, 2018 · Amount on Record
Prior Sale	Feb 27, 2013 · Amount on Record
Deed Document Number	20186560
Prior Transfer Date	Mar 7, 2013
Prior Transfer Doc	0000013609
Record Updated	Sep 20, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4730 OPAL ST, CAPITOLA, CA 95010-3131
Document Number	0000017154
Instrument Date	Jun 18, 2019
Transaction Type	Mortgage
Record Updated	Jul 9, 2019
Title Company	PACIFIC COAST TITLE COMPANY, PACIFIC COAST TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4730 OPAL ST CAPITOLA CA 950103131, CAPITOLA, CA 95010-3131

Mortgage

Document Number	0000017154
Date	Jun 24, 2019
Instrument	17154

Lender

Name	CAL MUTUAL INC
Address	ANAHEIM, CA 92805

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 23, 2034

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 5, 2018
Property Address	4730 OPAL ST, CAPITOLA, CA 95010-3131
Document Number	0000006560
Instrument Date	Mar 1, 2018
Instrument	6560
Transaction Type	Transfer
Record Updated	Mar 22, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,090.10
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	555 MIDDLEFIELD RD PALO ALTO CA 943012124, PALO ALTO, CA 94301-2124

Mortgage

Document Number	6561
Date	Mar 5, 2018
Instrument	6561

Lender

Name	CAL MUTUAL INC
Address	2040 S SANTA CRUZ ST 115 #, ANAHEIM, CA 92805

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 4, 2048

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		$1,149,793 (+2%) Land $919,834 Building $229,959
2025	$14,221.00 (+9.62%)	$1,127,248 (+4.04%) Land $901,798 Building $225,450
2023	$12,973.00 (+1.11%)	$1,083,475 Land $866,780 Building $216,695	$1,139,850
2022	$12,831.00

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

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.

Wildfire

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

Wildfire Risk	Not rated no burnable land within ember reach

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 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 Internet Fixed Wireless	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T, California Internet, Xfinity.

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