4790 Topaz St, Capitola, CA 95010 Property Records

Santa Cruz County property record for 4790 Topaz St, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,948 sqft · built 2016
Lot Size	0.076 acres (3,311 sqft)
Owner	2 Individual Names on File
Last Sale	$2,250,000 (Apr 2023)
Tax Bill	$27,923 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage May 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`034-066-03`

Property Details

APN / Parcel Number

Primary APN	`034-066-03`
Alternative APN	`034-066-03-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	2,948 sqft Living Area
Gross Area	3,189 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	3,311 sqft (0.076 acres)
Garage Type	Attached
Garage Area	241 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	4790 TOPAZ ST
City	CAPITOLA
State	CA
Zip	95010-3140
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	OPAL SUB #1/FAIRVIEW TR
Legal Block	13
Legal Lot Number	5-7
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1014
Census Tract	121701

Owner

4790 Topaz St is owned and occupied by two individuals who bought it in April 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	4790 TOPAZ ST, CAPITOLA, CA 95010-3140
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 10, 2023	Grant Deed, Transfer · Conventional Mortgage KIND LENDING LLC
May 13, 2021	Deed of Trust, Mortgage · Line of Credit MUFG UNION BANK NA
Sep 6, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 6, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2023 · Amount on File
Deed Sale	Apr 10, 2023 · Amount on File
Prior Sale	Apr 8, 2015 · Amount on File
Deed Document Number	20236186
Prior Transfer Date	Sep 3, 2019
Prior Transfer Doc	0000026467
Record Updated	Sep 20, 2026

April 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 10, 2023
Property Address	4790 TOPAZ ST, CAPITOLA, CA 95010-3140
Document Number	0000006186
Map Reference	MB 18 PG 40
Instrument Date	Mar 29, 2023
Instrument	2023-0006186
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,475.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	4790 TOPAZ ST, CAPITOLA, CA 95010-3140

Mortgage

Document Number	0000006187
Date	Apr 10, 2023
Instrument	2023-0006187

Lender

Name	KIND LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4790 TOPAZ ST, CAPITOLA, CA 95010-3140
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4790 TOPAZ ST, CAPITOLA, CA 95010-3140

Mortgage

Document Number	0000027275
Date	May 13, 2021
Instrument	2021-0027275

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 6, 2019
Property Address	4790 TOPAZ ST, CAPITOLA, CA 95010-3140
Document Number	0000026467
Instrument Date	Sep 3, 2019
Instrument	26467
Transaction Type	Transfer
Record Updated	Sep 20, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	4790 TOPAZ ST CAPITOLA CA 950103140, CAPITOLA, CA 95010-3140

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 6, 2019
Property Address	4790 TOPAZ ST, CAPITOLA, CA 95010-3140
Document Number	0000026468
Instrument Date	Sep 3, 2019
Instrument	26468
Transaction Type	Transfer
Record Updated	Sep 20, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4790 TOPAZ ST CAPITOLA CA 950103140, CAPITOLA, CA 95010-3140

Tax Assessment & Valuation

The 2025 property tax bill for 4790 Topaz St was $27,923 with a homeowner's exemption, up 7% from the year before.

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		$2,387,718 (+2%) Land $1,857,114 Building $530,604
2025	$27,923.00 (+6.96%) Homeowner's exemption	$2,340,900 Land $1,820,700 Building $520,200
2024	$26,107.00 (+93.72%)
2023	$13,477.00 (+1.09%)	$1,129,748 Land $772,782 Building $356,966	$1,976,850
2022	$13,332.00

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

Flood

FEMA maps place 4790 Topaz St in Zone X, an area of minimal flood risk.

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

The area around 4790 Topaz St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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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