4810 Garnet St, Capitola, CA 95010 Property Records

Santa Cruz County property record for 4810 Garnet St, Capitola, CA 95010 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,854 sqft · built 1983
Lot Size	0.107 acres (4,661 sqft)
Owner	2 Trust Names on File
Last Sale	$1,625,000 (Sep 2020)
Tax Bill	$21,394 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Mar 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`034-038-11`

Property Details

APN / Parcel Number

Primary APN	`034-038-11`
Alternative APN	`034-038-11-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,854 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	4,661 sqft (0.107 acres)

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4810 GARNET ST
City	CAPITOLA
State	CA
Zip	95010-3117
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAP C7 973 TR 1050
Legal Subdivision	APPLE ACRES TR 1050
Legal Tract	1050
Legal Lot Number	5
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1027
Census Tract	121701

Owner

Source: Santa Cruz County records · APN 034-038-11

Assessment roll updated August 19, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Trust Names on File
Mailing Address	1026 CHERRY AVE, SAN JOSE, CA 95125-4311
Owner Type	Individual
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA
Mar 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA
Sep 03, 2020	Grant Deed, Transfer · Conventional Mortgage MUFG UNION BANK NA
Feb 06, 2019	Deed of Trust, Mortgage BANK OF AMERICA
Jun 12, 2018	Grant Deed, Transfer BANK OF AMERICA
Jun 12, 2018	Affidavit of Death, Transfer
Jan 06, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 03, 2020 · Amount on Record
Deed Sale	Sep 03, 2020 · Amount on Record
Prior Sale	Jun 12, 2018 · Amount on Record
Deed Document Number	202034440
Prior Transfer Date	Nov 24, 2016
Prior Transfer Doc	0000000697
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4810 GARNET ST, CAPITOLA, CA 95010-3117
Transaction Type	Mortgage
Record Updated	Oct 12, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1026 CHERRY AVE, SAN JOSE, CA 95125-4311

Mortgage

Document Number	0000049229
Date	Sep 28, 2021
Instrument	2021-0049229

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Oct 01, 2028
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	4.75%
Index	Other
Max Rate	8.75%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4810 GARNET ST, CAPITOLA, CA 95010-3117
Transaction Type	Mortgage
Record Updated	Apr 02, 2021
Title Company	US FIDELITY TITLE COMPANY, FIDELITY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1026 CHERRY AVE, SAN JOSE, CA 95125-4311

Mortgage

Document Number	0000015208
Date	Mar 15, 2021
Instrument	2021-0015208

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2051

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 03, 2020
Property Address	4810 GARNET ST, CAPITOLA, CA 95010-3117
Document Number	0000034440
Map Reference	MB 70 PG 43
Instrument Date	Aug 11, 2020
Instrument	2020-0034440
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	1026 CHERRY AVE, SAN JOSE, CA 95125-4311

Mortgage

Document Number	0000034441
Date	Sep 03, 2020
Instrument	2020-0034441

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Oct 01, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.75%
Index	1-Year LIBOR
Max Rate	9.75%

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4810 GARNET ST, CAPITOLA, CA 95010-3117
Document Number	0000003444
Instrument Date	Feb 06, 2019
Transaction Type	Mortgage
Record Updated	Mar 01, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2275 GUNDERSEN DR SAN JOSE CA 951254643, SAN JOSE, CA 95125-4643

Mortgage

Document Number	0000003444
Date	Feb 11, 2019
Instrument	3444

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 10, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.25%

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 12, 2018
Property Address	4810 GARNET ST, CAPITOLA, CA 95010-3117
Document Number	0000017922
Instrument Date	Jun 11, 2018
Instrument	17922
Transaction Type	Transfer
Record Updated	Jun 22, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,567.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2275 GUNDERSEN DR SAN JOSE CA 951254643, SAN JOSE, CA 95125-4643

Mortgage

Document Number	17923
Date	Jun 12, 2018
Instrument	17923

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 11, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.5%

June 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 12, 2018
Property Address	4810 GARNET ST, CAPITOLA, CA 95010-3117
Document Number	0000017921
Instrument Date	May 04, 2018
Instrument	17921
Transaction Type	Transfer
Record Updated	Jun 22, 2018

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4810 GARNET ST CAPITOLA CA 950103117, CAPITOLA, CA 95010-3117

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 06, 2017
Property Address	4810 GARNET ST, CAPITOLA, CA 95010-3117
Document Number	0000000697
Instrument Date	Nov 24, 2016
Instrument	697
Transaction Type	Transfer
Record Updated	Jan 13, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	4810 GARNET ST CAPITOLA CA 950103117, CAPITOLA, CA 95010-3117

Tax Assessment & Valuation

Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,794,131 (+2%) Land $1,345,598 Building $448,533
2025	$21,394.00 (+9.24%)	$1,758,952 (+4.04%) Land $1,319,214 Building $439,738
2023	$19,585.00 (+0.97%)	$1,690,651 Land $1,267,988 Building $422,663	$1,614,600
2022	$19,396.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 822 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Surfnet Communications	Fixed Wireless	100 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: AT&T, Cruzio Internet, Xfinity, California Internet, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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