4800 Topaz St, Capitola, CA 95010 Property Records

Santa Cruz County property record for 4800 Topaz St, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,846 sqft · built 1925
Lot Size	0.074 acres (3,223 sqft)
Owner	2 Trust Names on File
Last Sale	$1,450,000 (May 2015)
Tax Bill	$21,130 (2025)
Deeds & Mortgages	Oct 2021 Line of Credit Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`034-066-09`

Property Details

APN / Parcel Number

Primary APN	`034-066-09`
Alternative APN	`034-066-09-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,846 sqft Living Area
Gross Area	2,349 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1990
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	3,223 sqft (0.074 acres)
Garage Type	Attached
Garage Area	503 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4800 TOPAZ ST
City	CAPITOLA
State	CA
Zip	95010-3142
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	OPAL 01
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

4800 Topaz St is owner-occupied and held in a trust since September 2019.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Trust Names on File
Mailing Address	4800 TOPAZ ST, CAPITOLA, CA 95010-3142
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Family Living Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2021	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST
Apr 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA
Sep 6, 2019	Quit Claim Deed, Transfer OLD REPUBLIC TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2015 · Amount on File
Deed Sale	May 21, 2015 · Amount on File
Prior Sale	Oct 28, 2014 · Amount on File
Deed Document Number	201519683
Last Transfer Date	Sep 4, 2019
Transfer Doc	0000026496
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4800 TOPAZ ST, CAPITOLA, CA 95010-3142
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TIT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4800 TOPAZ ST, CAPITOLA, CA 95010-3142

Mortgage

Document Number	0000050307
Date	Oct 4, 2021
Instrument	2021-0050307

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4800 TOPAZ ST, CAPITOLA, CA 95010-3142
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4800 TOPAZ ST, CAPITOLA, CA 95010-3142

Mortgage

Document Number	0000019032
Date	Apr 2, 2021
Instrument	2021-0019032

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Apr 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	4.75%
Index	1-Year LIBOR
Max Rate	8.75%

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 6, 2019
Property Address	4800 TOPAZ ST, CAPITOLA, CA 95010-3142
Document Number	0000026496
Instrument Date	Sep 4, 2019
Instrument	26496
Transaction Type	Transfer
Record Updated	Sep 20, 2019
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	478 GALEN DR SAN JOSE CA 95123, SAN JOSE, CA 95123

Tax Assessment & Valuation

The 2025 property tax bill for 4800 Topaz St was $21,130 with a homeowner's exemption.

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		$1,777,537 (+2%) Land $1,152,334 Building $625,203
2025	$21,130.00 Homeowner's exemption	$1,742,684 Land $1,129,740 Building $612,944
2023	$19,339.00 (+0.91%) Homeowner's exemption	$1,675,012 Land $1,085,870 Building $589,142	$1,791,810
2022	$19,165.00

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

Flood

FEMA maps place 4800 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 4800 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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