4970 Cliff Dr, Capitola, CA 95010 Property Records

Santa Cruz County property record for 4970 Cliff Dr, Capitola, CA 95010

Property Summary

Property Type	Duplex
Details	3 bd · 1.5 ba · 1,915 sqft · built 1930
Lot Size	0.039 acres (1,699 sqft)
Owner	Company Name on File
Last Sale	$520,000 (Jul 1995)
Tax Bill	$18,853 (2025)
Deeds & Mortgages	May 2017 Mortgage Nov 2019 Mortgage + 12 more
Flood Zone	Zone X (moderate risk)
APN	`034-052-04`

Property Details

APN / Parcel Number

Primary APN	`034-052-04`
Alternative APN	`034-052-04-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	1,915 sqft Living Area
Gross Area	2,122 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Contemporary
Construction Type	Wood
Lot Area	1,699 sqft (0.039 acres)
Terrain	Steep
View / Lot	Ocean
Garage Type	Attached
Garage Area	207 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4970 CLIFF DR
City	CAPITOLA
State	CA
Zip	95010-3222
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Subdivision	RODEO RHO
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1002
Census Tract	121602

Owner

Source: Santa Cruz County records · APN 034-052-04

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	16270 KENNEDY RD, LOS GATOS, CA 95032-6435
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
May 03, 2017	Deed of Trust, Mortgage · Commercial Mortgage WESTERN ALLIANCE BANK
Nov 25, 2019	Grant Deed, Transfer · Conventional Mortgage FIRST REPUBLIC BANK
Nov 25, 2019	Correction Deed, Transfer FIRST AMERICAN TITLE
Aug 13, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 24, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 24, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 24, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 24, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 22, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 22, 2020	Grant Deed, Transfer ATTORNEY ONLY
Jul 16, 2020	Grant Deed, Transfer ATTORNEY ONLY
Jul 22, 2020	Grant Deed, Transfer ATTORNEY ONLY
Jul 22, 2020	Grant Deed, Transfer ATTORNEY ONLY
May 05, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 11, 1995 · Amount on Record
Deed Sale	Jul 11, 1995 · Amount on Record
Deed Document Number	199533954
Deed Book / Page	5697 / 697
Last Transfer Date	Dec 17, 2018
Transfer Doc	0000027655
Record Updated	Sep 20, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4970 CLIFF DR, CAPITOLA, CA 95010-3222
Transaction Type	Mortgage
Record Updated	Sep 13, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014737
Date	May 03, 2017
Instrument	2017-0014737

Lender

Name	WESTERN ALLIANCE BANK
Type	Bank
Address	SAN JOSE, CA 95113

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 25, 2019
Property Address	4970 CLIFF DR, CAPITOLA, CA 95010-3222
Document Number	0000036788
Instrument Date	Nov 19, 2019
Instrument	2019-0036788
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16270 KENNEDY RD, LOS GATOS, CA 95032-6435

Mortgage

Document Number	0000036789
Date	Nov 25, 2019
Instrument	2019-0036789

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.85%
Type Change Date	Dec 01, 2029
Change Frequency	Annually
Min Rate At Change	2.95%
Index	12-Month MTA
Max Rate	10.9%

November 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 25, 2019
Property Address	4970 CLIFF DR, CAPITOLA, CA 95010-3222
Document Number	0000036787
Instrument Date	Nov 19, 2019
Instrument	36787
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	16270 KENNEDY RD LOS GATOS CA 950326435, LOS GATOS, CA 95032-6435

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 13, 2020
Property Address	4970 CLIFF DR, CAPITOLA, CA 95010-3222
Document Number	0000030682
Instrument Date	Nov 02, 2018
Instrument	30682
Transaction Type	Transfer
Record Updated	Aug 31, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4970 CLIFF DR CAPITOLA CA 950103222, CAPITOLA, CA 95010-3222

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 24, 2020
Property Address	4970 CLIFF DR, CAPITOLA, CA 95010-3222
Document Number	0000027655
Instrument Date	Nov 01, 2018
Instrument	27655
Transaction Type	Transfer
Record Updated	Aug 04, 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	Limited Partnership
Address	4970 CLIFF DR CAPITOLA CA 950103222, CAPITOLA, CA 95010-3222

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 24, 2020
Property Address	4970 CLIFF DR, CAPITOLA, CA 95010-3222
Document Number	0000027654
Instrument Date	Nov 01, 2018
Instrument	27654
Transaction Type	Transfer
Record Updated	Aug 04, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	16270 KENNEDY RD LOS GATOS CA 950326435, LOS GATOS, CA 95032-6435

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 24, 2020
Property Address	4970 CLIFF DR, CAPITOLA, CA 95010-3222
Document Number	0000027653
Instrument Date	Nov 01, 2018
Instrument	27653
Transaction Type	Transfer
Record Updated	Aug 04, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Partnership
Address	16270 KENNEDY RD LOS GATOS CA 950326435, LOS GATOS, CA 95032-6435

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 24, 2020
Property Address	4970 CLIFF DR, CAPITOLA, CA 95010-3222
Document Number	0000027656
Instrument Date	Nov 01, 2018
Instrument	27656
Transaction Type	Transfer
Record Updated	Aug 04, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	16270 KENNEDY RD LOS GATOS CA 950326435, LOS GATOS, CA 95032-6435

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 22, 2020
Property Address	4970 CLIFF DR, CAPITOLA, CA 95010-3222
Document Number	0000027083
Instrument Date	Nov 01, 2018
Instrument	27083
Transaction Type	Transfer
Record Updated	Aug 04, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	4970 CLIFF DR CAPITOLA CA 950103222, CAPITOLA, CA 95010-3222

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 22, 2020
Property Address	4970 CLIFF DR, CAPITOLA, CA 95010-3222
Document Number	0000027066
Instrument Date	Sep 01, 2018
Instrument	27066
Transaction Type	Transfer
Record Updated	Aug 04, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$383.00
Amount Accuracy	Full Value
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	16270 KENNEDY RD LOS GATOS CA 950326435, LOS GATOS, CA 95032-6435

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 16, 2020
Property Address	4970 CLIFF DR, CAPITOLA, CA 95010-3222
Document Number	0000026113
Instrument Date	Sep 01, 2018
Instrument	26113
Transaction Type	Transfer
Record Updated	Aug 04, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,082.00
Amount Accuracy	Full Value
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	16270 KENNEDY RD LOS GATOS CA 950326435, LOS GATOS, CA 95032-6435

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 22, 2020
Property Address	4970 CLIFF DR, CAPITOLA, CA 95010-3222
Document Number	0000027064
Instrument Date	Sep 01, 2018
Instrument	27064
Transaction Type	Transfer
Record Updated	Aug 04, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$383.00
Amount Accuracy	Full Value
Additional	Intrafamily Transfer Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	16270 KENNEDY RD LOS GATOS CA 950326435, LOS GATOS, CA 95032-6435

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 22, 2020
Property Address	4970 CLIFF DR, CAPITOLA, CA 95010-3222
Document Number	0000027065
Instrument Date	Sep 01, 2018
Instrument	27065
Transaction Type	Transfer
Record Updated	Aug 04, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$383.00
Amount Accuracy	Full Value
Additional	Intrafamily Transfer Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	16270 KENNEDY RD LOS GATOS CA 950326435, LOS GATOS, CA 95032-6435

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 05, 2020
Property Address	4970 CLIFF DR, CAPITOLA, CA 95010-3222
Document Number	0000015446
Instrument Date	Sep 01, 2018
Instrument	15446
Transaction Type	Transfer
Record Updated	May 22, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	16270 KENNEDY RD LOS GATOS CA 950326435, LOS GATOS, CA 95032-6435

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

Year	Tax Bill	Assessed Value
2026		$1,561,726 (+2%) Land $1,070,898 Building $490,828
2025	$18,853.00 (+7.09%)	$1,531,104 (+4.04%) Land $1,049,900 Building $481,204
2024	$17,604.00 (+2.08%)
2023	$17,246.00 (+1.01%)	$1,471,650 Land $1,009,131 Building $462,519
2022	$17,074.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 10, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone VE, within 100 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

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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 USA Fixed Wireless	100 / 20

May also be available: California Internet, Cruzio Internet, Xfinity.

Based on FCC filings for 822 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SOQUEL CREEK WATER DISTRICT serves 40,962 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.