4995 Cliff Dr, Apt B, Capitola, CA 95010 Property Records

Santa Cruz County property record for 4995 Cliff Dr, Apt B, Capitola, CA 95010

Property Summary

Property Type	Condominium
Details	2 ba · 1,234 sqft · built 1979
Lot Size	0.017 acres (741 sqft)
Owner	Individual Name on Record
Last Sale	$1,170,000 (Jul 2018)
Tax Bill	$16,238 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`034-051-14`

Property Details

APN / Parcel Number

Primary APN	`034-051-14`
Alternative APN	`034-051-14-000`

Interior

Full Baths	2 Baths
Building Area	1,234 sqft Living Area
Gross Area	2,032 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Condo/Apartment
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	741 sqft (0.017 acres)
View / Lot	Ocean
Garage Type	Attached
Garage Area	798 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4995 CLIFF DR, B
City	CAPITOLA
State	CA
Zip	95010-3367
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Subdivision	CLIFF DRIVE
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1003
Census Tract	121602

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	Individual Name on Record
Mailing Address	352 VIRGINIA AVE, SAN MATEO, CA 94402-2262
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jul 27, 2018	Grant Deed, Transfer QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2018 · Amount on Record
Deed Sale	Jul 27, 2018 · Amount on Record
Prior Sale	May 11, 2011 · Amount on Record
Deed Document Number	201822980
Prior Transfer Date	Feb 14, 2015
Prior Transfer Doc	0000006359
Record Updated	Sep 20, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4995 CLIFF DR APT B, B, CAPITOLA, CA 95010-3367
Document Number	0000030183
Instrument Date	Sep 30, 2019
Transaction Type	Mortgage
Record Updated	Oct 18, 2019
Title Company	AMROCK TITLE CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	352 VIRGINIA AVE SAN MATEO CA 944022262, SAN MATEO, CA 94402-2262

Mortgage

Document Number	0000030183
Date	Oct 2, 2019
Instrument	30183

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	SAN MATEO, CA 94402-2262

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3%

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 27, 2018
Property Address	4995 CLIFF DR APT B, B, CAPITOLA, CA 95010-3367
Document Number	0000022980
Instrument Date	Jul 20, 2018
Instrument	22980
Transaction Type	Transfer
Record Updated	Aug 10, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,287.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	352 VIRGINIA AVE SAN MATEO CA 944022262, SAN MATEO, CA 94402-2262

Mortgage

Document Number	22981
Date	Jul 27, 2018
Instrument	22981

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 26, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.85%

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		$1,331,260 (+2%) Land $998,445 Building $332,815
2025	$16,238.00 (+10.54%)	$1,305,157 (+4.04%) Land $978,868 Building $326,289
2023	$14,690.00 (+1%)	$1,254,476 Land $940,857 Building $313,619	$1,081,980
2022	$14,544.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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
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

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.

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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