4855 Emerald St, Capitola, CA 95010 Property Records

Santa Cruz County property record for 4855 Emerald St, Capitola, CA 95010 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 786 sqft · built 1932
Lot Size	0.079 acres (3,441 sqft)
Owner	Company Name on File
Tax Bill	$3,727 (2025)
Deeds & Mortgages	Feb 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`034-036-10`

Property Details

APN / Parcel Number

Primary APN	`034-036-10`
Alternative APN	`034-036-10-000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	786 sqft Living Area
Gross Area	1,126 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Construction Type	Wood
Roof Material	Other
Lot Area	3,441 sqft (0.079 acres)
Garage Type	Attached
Garage Area	340 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4855 EMERALD ST
City	CAPITOLA
State	CA
Zip	95010-3827
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	OPAL 01
Legal Block	3
Legal Lot Number	14
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1010
Census Tract	121701

Owner

Source: Santa Cruz County records · APN 034-036-10

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	Company Name on File
Mailing Address	425 MIRAMAR DR, SANTA CRUZ, CA 95060-3315
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Dec 14, 2010
Transfer Doc	0000054086
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4855 EMERALD ST, CAPITOLA, CA 95010-3827
Transaction Type	Mortgage
Record Updated	Feb 15, 2022
Title Company	ADVANTAGE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 MIRAMAR DR, SANTA CRUZ, CA 95060-3315

Mortgage

Document Number	0000003791
Date	Feb 03, 2022
Instrument	2022-0003791

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	SANTA CRUZ, CA 95060

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2052

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		$207,197 (+2%) Land $140,893 Building $66,304
2025	$3,727.00 (+12.91%)	$203,133 (+4.04%) Land $138,130 Building $65,003
2023	$3,301.00 (+2.26%)	$195,245 Land $132,766 Building $62,479	$1,201,590
2022	$3,228.00

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
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	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.