510 Oak Dr, Capitola, CA 95010 Property Records

Santa Cruz County property record for 510 Oak Dr, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,054 sqft · built 1964
Lot Size	0.092 acres (4,008 sqft)
Owner	Individual Name on Record
Last Sale	$940,000 (Jun 2017)
Tax Bill	$13,729 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Sep 2020 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`035-093-29`

Property Details

APN / Parcel Number

Primary APN	`035-093-29`
Alternative APN	`035-093-29-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,054 sqft Living Area
Gross Area	1,414 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	4,008 sqft (0.092 acres)
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	510 OAK DR
City	CAPITOLA
State	CA
Zip	95010-2720
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	NORTH CAPITOLA
Legal Lot Number	20
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2010
Census Tract	121802

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	510 OAK DR, CAPITOLA, CA 95010-2720
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Sep 11, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jan 7, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage ZILLOW HOME LOANS LLC
Jun 23, 2017	Grant Deed, Transfer BANK OF AMERICA
Jun 23, 2017	Quit Claim Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 23, 2017 · Amount on Record
Deed Sale	Jun 23, 2017 · Amount on Record
Deed Document Number	201720630
Last Transfer Date	Jun 10, 2020
Transfer Doc	0000000935
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	510 OAK DR, CAPITOLA, CA 95010-2720
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	510 OAK DR, CAPITOLA, CA 95010-2720

Mortgage

Document Number	0000003613
Date	Jan 22, 2021
Instrument	2021-0003613

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2036

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 11, 2020
Property Address	510 OAK DR, CAPITOLA, CA 95010-2720
Document Number	0000035803
Instrument Date	Jul 17, 2020
Instrument	35803
Transaction Type	Transfer
Record Updated	Sep 24, 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	Revocable Trust
Address	253 JETER ST REDWOOD CITY CA 940621958, REDWOOD CITY, CA 94062-1958

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 7, 2021
Property Address	510 OAK DR, CAPITOLA, CA 95010-2720
Document Number	0000000935
Instrument Date	Jun 10, 2020
Instrument	2021-0000935
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	BOSTON NATIONAL TITLE

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
Address	510 OAK DR, CAPITOLA, CA 95010-2720

Mortgage

Document Number	0000000936
Date	Jan 7, 2021
Instrument	2021-0000936

Lender

Name	ZILLOW HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	175 Months
Due	Aug 1, 2035

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 23, 2017
Property Address	510 OAK DR, CAPITOLA, CA 95010-2720
Document Number	0000020630
Instrument Date	Jun 5, 2017
Instrument	20630
Transaction Type	Transfer
Record Updated	Aug 21, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,034.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	510 OAK DR CAPITOLA CA 950102720, CAPITOLA, CA 95010-2720

Mortgage

Document Number	20631
Date	Jun 23, 2017
Instrument	20631

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 22, 2047

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 23, 2017
Property Address	510 OAK DR, CAPITOLA, CA 95010-2720
Document Number	0000020629
Instrument Date	Jun 5, 2017
Instrument	20629
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	510 OAK DR CAPITOLA CA 950102720, CAPITOLA, CA 95010-2720

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		$1,112,769 (+2%) Land $834,577 Building $278,192
2025	$13,729.00 (+9.68%) Homeowner's exemption	$1,090,951 (+4.04%) Land $818,213 Building $272,738
2023	$12,517.00 (+1.13%) Homeowner's exemption	$1,048,588 Land $786,441 Building $262,147	$1,044,540
2022	$12,377.00

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 18 policies
Nearby Flood Policies	18 in force
Nearby Flood Claims	1 (2011)
Most Recent Claim	Mar 2011 · rainfall accumulation

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	Low lower than 95% of the US · lower than 97% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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