4850 Topaz St, Capitola, CA 95010 Property Records

Santa Cruz County property record for 4850 Topaz St, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,429 sqft · built 1979
Lot Size	0.076 acres (3,311 sqft)
Owner	2 Company Names on Record
Last Sale	$1,330,000 (Aug 2017)
Tax Bill	$18,605 (2025)
Deeds & Mortgages	Feb 2026 Transfer Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`034-066-06`

Property Details

APN / Parcel Number

Primary APN	`034-066-06`
Alternative APN	`034-066-06-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	2,429 sqft Living Area
Gross Area	3,001 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Contemporary
Exterior Material	Wood
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	3,311 sqft (0.076 acres)
View / Lot	Ocean
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Deck Area	264 sqft
Patio Area	264 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4850 TOPAZ ST
City	CAPITOLA
State	CA
Zip	95010-3142
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	POAL 01
Legal Lot Number	9
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1014
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	173 HAWTHORNE DR, ATHERTON, CA 94027-2164
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2026	Intrafamily Transfer, Transfer
Aug 16, 2017	Grant Deed, Transfer · ARM CITY NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2017 · Amount on Record
Deed Sale	Aug 16, 2017 · Amount on Record
Prior Sale	Oct 17, 2006 · Amount on Record
Deed Document Number	201727044
Last Transfer Date	Nov 26, 2024
Transfer Doc	0000024364
Record Updated	Sep 20, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 26, 2026
Property Address	4850 TOPAZ ST, CAPITOLA, CA 95010-3142
Document Number	0000004274
Map Reference	MB 16 PG 40
Instrument Date	Feb 19, 2026
Instrument	2026-0004274
Transaction Type	Transfer
Record Updated	Mar 12, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	173 HAWTHORNE DR, ATHERTON, CA 94027-2164

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 16, 2017
Property Address	4850 TOPAZ ST, CAPITOLA, CA 95010-3142
Document Number	0000027044
Map Reference	MAP18 PG40
Instrument Date	Aug 14, 2017
Instrument	2017-0027044
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	173 HAWTHORNE DR, ATHERTON, CA 94027-2164

Mortgage

Document Number	0000027045
Date	Aug 16, 2017
Instrument	2017-0027045

Lender

Name	CITY NATIONAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2024
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	8.12%
Index	12-Month MTA
Max Rate	8.12%

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		$1,543,580 (+2%) Land $926,148 Building $617,432
2025	$18,605.00 (+9.35%)	$1,513,313 (+4.04%) Land $907,988 Building $605,325
2023	$17,014.00 (+1.02%)	$1,454,550 Land $872,730 Building $581,820	$1,593,540
2022	$16,843.00

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
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
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	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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