4750 Capitola Rd, Capitola, CA 95010 Property Records

Santa Cruz County property record for 4750 Capitola Rd, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,832 sqft · built 1987
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on Record
Last Sale	$1,650,000 (May 2026)
Tax Bill	$6,748 (2025)
Deeds & Mortgages	Apr 2022 Mortgage May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`034-035-03`

Property Details

APN / Parcel Number

Primary APN	`034-035-03`
Alternative APN	`034-035-03-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,832 sqft Living Area
Gross Area	2,370 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	3,485 sqft (0.08 acres)
Garage Type	Attached
Garage Area	538 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4750 CAPITOLA RD
City	CAPITOLA
State	CA
Zip	95010-3867
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	OPAL 01
Legal Block	1
Legal Lot Number	3
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1002
Census Tract	121701

Owner

Source: Santa Cruz County records, 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 Record
Mailing Address	4750 CAPITOLA RD, CAPITOLA, CA 95010-3867
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2022	Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA
May 8, 2026	Grant Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK N A

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 8, 2026 · Amount on Record
Deed Sale	May 8, 2026 · Amount on Record
Deed Document Number	202610433
Prior Transfer Date	May 10, 1993
Prior Transfer Doc	0000047965
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4750 CAPITOLA RD, CAPITOLA, CA 95010-3867
Transaction Type	Mortgage
Record Updated	May 26, 2026
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6035 CASTLE DR, OAKLAND, CA 94611-2735

Mortgage

Document Number	0000013804
Date	Apr 29, 2022
Instrument	2022-0013804

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	May 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.6%
Index	Other
Max Rate	10.6%

May 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 8, 2026
Property Address	4750 CAPITOLA RD, CAPITOLA, CA 95010-3867
Document Number	0000010433
Instrument Date	Apr 15, 2026
Instrument	2026.10433
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	HOMELIGHT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$183,315.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	4750 CAPITOLA RD, CAPITOLA, CA 95010-3867

Mortgage

Document Number	0000010434,
Date	May 8, 2026
Instrument	2026.10434

Lender

Name	JPMORGAN CHASE BANK N A

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

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		$478,542 (+2%) Land $229,701 Building $248,841
2025	$6,748.00 (+10.9%)	$469,159 (+4.04%) Land $225,197 Building $243,962
2023	$6,085.00 (+1.55%)	$450,941 Land $216,453 Building $234,488	$2,087,460
2022	$5,992.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 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 822 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Surfnet Communications Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Cruzio, GeoLinks, Xfinity.

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