4795 Opal Cliff Dr, Capitola (Santa Cruz), CA 95062 Property Records

Santa Cruz County property record for 4795 Opal Cliff Dr, Capitola, CA 95062

Property Summary

Property Type	Care Home (Retirement, Nursing, Convalescent)
Details	4 bd · 2 ba · 4,119 sqft · built 1950
Lot Size	0.206 acres (8,973 sqft)
Owner	Company Name on Record
Last Sale	$1,767,500 (Oct 2025)
Tax Bill	$20,015 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2025 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`034-081-08`

Property Details

APN / Parcel Number

Primary APN	`034-081-08`
Alternative APN	`034-081-08-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	4,119 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Hip
Roof Material	Tile
Lot Area	8,973 sqft (0.206 acres)
View / Lot	Ocean
Garage Type	Attached
Garage Area	495 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4795 OPAL CLIFF DR
City	CAPITOLA
State	CA
Zip	95010
Property Category	Commercial
Property Type	Commercial > Retail > Care Home (Retirement, Nursing, Convalescent)
Local Zoning Code	R1
Legal Subdivision	OPAL CLIFFS
Legal Lot Number	1,2
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1010
Census Tract	121602

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	Company Name on Record
Mailing Address	4795 OPAL CLIFF DR, CAPITOLA, CA 95010
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2025	Deed of Trust, Mortgage · Commercial Mortgage PELAGIA LLC
Oct 2, 2025	Deed of Trust, Mortgage · Commercial Mortgage PELAGIA LLC
Oct 2, 2025	Grant Deed, Transfer WEST COAST COMMUNITY BANK
Jan 14, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jan 14, 2020	Affidavit of Death, Transfer ATTORNEY ONLY
Nov 21, 2019	Affidavit of Death, Transfer STEWART TITLE, STEWART TITLE/CA
Oct 31, 2019	Loan Modification, Mortgage STEWART TITLE, STEWART TITLE/CA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2025 · Amount on Record
Deed Sale	Oct 2, 2025 · Amount on Record
Deed Document Number	202520968
Prior Transfer Date	Jan 9, 2020
Prior Transfer Doc	0000001511
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4795 OPAL CLIFF DR, CAPITOLA, CA 95062-5229
Transaction Type	Mortgage
Record Updated	Oct 17, 2025
Title Company	COMMONWEALTH LAND TITLE COMPANY/DAL, COMMONWEALTH LAND TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021016
Date	Oct 2, 2025
Instrument	2025-0021016

Lender

Name	PELAGIA LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4795 OPAL CLIFF DR, CAPITOLA, CA 95062-5229
Transaction Type	Mortgage
Record Updated	Oct 17, 2025
Title Company	COMMONWEALTH LAND TITLE COMPANY/DAL, COMMONWEALTH LAND TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021011
Date	Oct 2, 2025
Instrument	2025-0021011

Lender

Name	PELAGIA LLC
Type	Non-Lending Institution
Address	APTOS, CA 95003

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 2, 2025
Property Address	4795 OPAL CLIFF DR, CAPITOLA, CA 95062-5229
Document Number	0000020968
Map Reference	MB 25 PG 12
Instrument Date	Oct 1, 2025
Instrument	2025-0020968
Transaction Type	Transfer
Record Updated	Oct 17, 2025
Title Company	COMMONWEALTH LAND TITLE CO

Transaction

Amount	Amount Recorded
Tax	$1,944.25
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020969
Date	Oct 2, 2025
Instrument	2025-0020969

Lender

Name	WEST COAST COMMUNITY BANK
Type	Bank

Agreement

Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	0000020971
Date	Oct 2, 2025
Instrument	2025-0020971

Lender

Name	PELAGIA LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 14, 2020
Property Address	4795 OPAL CLIFF DR, CAPITOLA, CA 95010
Document Number	0000001511
Instrument Date	Jan 9, 2020
Instrument	1511
Transaction Type	Transfer
Record Updated	Feb 3, 2020
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	Revocable Trust
Address	2115 7TH AVE SANTA CRUZ CA 950621663, SANTA CRUZ, CA 95062-1663

January 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 14, 2020
Property Address	4795 OPAL CLIFF DR, CAPITOLA, CA 95010
Document Number	0000001510
Instrument Date	Jan 9, 2020
Instrument	1510
Transaction Type	Transfer
Record Updated	Feb 3, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	435 SEAVIEW DR APTOS CA 950035134, APTOS, CA 95003-5134

November 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 21, 2019
Property Address	4795 OPAL CLIFF DR, CAPITOLA, CA 95010
Document Number	0000036405
Instrument Date	Nov 14, 2019
Instrument	36405
Transaction Type	Transfer
Record Updated	Dec 9, 2019
Title Company	STEWART TITLE, STEWART TITLE/CA

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2115 7TH AVE SANTA CRUZ CA 950621663, SANTA CRUZ, CA 95062-1663

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SANTA CRUZ CA
Property Address	4795 OPAL CLIFF DR, CAPITOLA, CA 95010
Document Number	0000036406
Instrument Date	Oct 31, 2019
Transaction Type	Mortgage
Record Updated	Dec 9, 2019
Title Company	STEWART TITLE, STEWART TITLE/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2115 7TH AVE SANTA CRUZ CA 950621663, SANTA CRUZ, CA 95062-1663

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
2026		$2,895,000 (+176%) Land $2,300,000 Building $595,000
2025	$20,015.00 (+27.31%)	$1,048,909 (+4.04%) Land $572,132 Building $476,777
2023	$15,722.00 (+0.31%)	$1,008,178 Land $549,915 Building $458,263
2022	$15,673.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	8 (2008–2023)
Most Recent Claim	Dec 2023 · rainfall accumulation
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 5 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 98% of the US · lower than 98.4% 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 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 Fixed Wireless	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, GeoLinks, Xfinity.

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