Santa Cruz County property record for 5020 Garnet St, Capitola, CA 95010
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,551 sqft · built 1997 |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $451,000 (Jan 1998) |
| Tax Bill | $9,519 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 034-043-03 |
| Primary APN | 034-043-03 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Building Area | 1,551 sqft Living Area |
| Gross Area | 1,992 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 3,049 sqft (0.07 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 5020 GARNET ST |
|---|---|
| City | CAPITOLA |
| State | CA |
| Zip | 95010-3834 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 94 |
| Legal Subdivision | CAMP FAIR VIEW |
| Legal Lot Number | 94 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 121701 |
Source: Santa Cruz County records · APN 034-043-03
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 Individual Names on File |
|---|---|
| Mailing Address | 1 AVALON AVE, 109, SAN FRANCISCO, CA 94112-2079 |
| Owner Type | Individual |
| Vesting | Community Property |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 15, 1998 · Amount on Record |
| Deed Sale | Jan 15, 1998 · Amount on Record |
| Deed Document Number | 19981816 |
| Last Transfer Date | Sep 28, 2013 |
| Transfer Doc | 0000000822 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 5020 GARNET ST, CAPITOLA, CA 95010-3834 |
| Transaction Type | Mortgage |
| Record Updated | Oct 05, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Address | 5020 GARNET ST, CAPITOLA, CA 95010-3834 |
| Document Number | 0000047990 |
|---|---|
| Date | Sep 20, 2021 |
| Instrument | 2021-0047990 |
| Name | ON Q FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Address | TEMPE, AZ 85281 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Oct 01, 2031 |
Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026
| 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) |
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 | $734,552 (+2%) Land $456,039 Building $278,513 | ||
| 2025 | $9,519.00 (+10.22%) Homeowner's exemption | $720,149 (+4.04%) Land $447,097 Building $273,052 | |
| 2023 | $8,636.00 (+1.33%) Homeowner's exemption | $692,185 Land $429,736 Building $262,449 | $1,479,420 |
| 2022 | $8,523.00 |
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
| 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 |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 822 locations within half a mile · 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.
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, 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 |
| 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.
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