4790 Capitola Rd, Capitola, CA 95010 Property Records

Santa Cruz County property record for 4790 Capitola Rd, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,022 sqft · built 1987
Lot Size	0.079 acres (3,441 sqft)
Owner	2 Company Names on Record
Last Sale	$2,025,000 (May 2021)
Tax Bill	$13,746 (2025)
Deeds & Mortgages	Nov 2020 Mortgage May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`034-035-05`

Property Details

APN / Parcel Number

Primary APN	`034-035-05`
Alternative APN	`034-035-05-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Building Area	2,022 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	3,441 sqft (0.079 acres)
Garage Area	538 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4790 CAPITOLA RD
City	CAPITOLA
State	CA
Zip	95010-3867
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	OPAL 01/FAIRVIEW TR
Legal Block	1
Legal Lot Number	5
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	2 Company Names on Record
Mailing Address	4790 CAPITOLA RD, CAPITOLA, CA 95010-3867
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION
May 18, 2021	Grant Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2021 · Amount on Record
Deed Sale	May 18, 2021 · Amount on Record
Prior Sale	Apr 22, 2009 · Amount on Record
Deed Document Number	202128242
Last Transfer Date	Sep 18, 2024
Transfer Doc	0000003255
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4790 CAPITOLA RD, CAPITOLA, CA 95010-3867
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4790 CAPITOLA RD, CAPITOLA, CA 95010-3867

Mortgage

Document Number	0000050059
Date	Nov 24, 2020
Instrument	2020-0050059

Lender

Name	OWNING CORPORATION
Type	Non-Lending Institution
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

May 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 18, 2021
Property Address	4790 CAPITOLA RD, CAPITOLA, CA 95010-3867
Document Number	0000028242
Map Reference	MB 18 PG 40
Instrument Date	May 6, 2021
Instrument	2021-0028242
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,227.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	PO BOX 1148, MI WUK VILLAGE, CA 95346-1148

Mortgage

Document Number	0000028243
Date	May 18, 2021
Instrument	2021-0028243

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Jun 1, 2028
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	8%
Index	Other
Margin	3
Max Rate	8%

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		$1,114,296 (+2%) Land $869,151 Building $245,145
2025	$13,746.00 (+9.68%) Homeowner's exemption	$1,092,448 (+4.04%) Land $852,109 Building $240,339
2023	$12,533.00 (+1.14%) Homeowner's exemption	$1,050,027 Land $819,021 Building $231,006	$1,994,400
2022	$12,392.00

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	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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