512 Capitola Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 512 Capitola Ave, Capitola, CA 95010

Property Summary

Property Type	Commercial Office
Details	2 bd · 2 ba · 4,500 sqft · built 1991
Lot Size	0.195 acres (8,494 sqft)
Owner	Company Name on Record
Last Sale	$2,800,000 (Apr 2020)
Tax Bill	$37,716 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`035-094-38`

Property Details

APN / Parcel Number

Primary APN	`035-094-38`
Alternative APN	`035-094-38-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	4,500 sqft Gross Area

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2016
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	8,494 sqft (0.195 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	512 CAPITOLA AVE
City	CAPITOLA
State	CA
Zip	95010-2750
Property Category	Commercial
Property Type	Commercial > Office > Commercial Office
Legal Description	BLK B LOT 19
Legal Subdivision	CAPITOLA 08
Legal Lot Number	19
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2017
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	Company Name on Record
Mailing Address	512 CAPITOLA AVE, CAPITOLA, CA 95010-2750
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2022	Deed of Trust, Mortgage · Line of Credit SANTA CRUZ COUNTY BANK
Apr 29, 2020	Deed of Trust, Mortgage BANK OF THE WEST
Apr 30, 2020	Grant Deed, Transfer BANK OF THE WEST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2020 · Amount on Record
Deed Sale	Apr 30, 2020 · Amount on Record
Prior Sale	Oct 17, 2014 · Amount on Record
Deed Document Number	202014849
Prior Transfer Date	Feb 27, 2013
Prior Transfer Doc	0000019028
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	512 CAPITOLA AVE, CAPITOLA, CA 95010-2750
Transaction Type	Mortgage
Record Updated	Sep 28, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 CAPITOLA AVE, CAPITOLA, CA 95010-2750

Mortgage

Document Number	0000033204
Date	Dec 16, 2022
Instrument	2022-0033204

Lender

Name	SANTA CRUZ COUNTY BANK
Type	Bank
Address	SANTA CRUZ, CA 95061

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	512 CAPITOLA AVE, CAPITOLA, CA 95010-2750
Document Number	0000015515
Instrument Date	Apr 29, 2020
Transaction Type	Mortgage
Record Updated	May 22, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	512 CAPITOLA AVE CAPITOLA CA 950102750, CAPITOLA, CA 95010-2750

Mortgage

Document Number	0000015515
Date	May 6, 2020
Instrument	15515

Lender

Name	BANK OF THE WEST
Type	Bank
Address	180 MONTGOMERY ST, SAN FRANCISCO, CA 94104-4205

Agreement

Amount	Amount Recorded
Term	300 Months
Due	May 5, 2045

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 30, 2020
Property Address	512 CAPITOLA AVE, CAPITOLA, CA 95010-2750
Document Number	0000014849
Instrument Date	Apr 27, 2020
Instrument	14849
Transaction Type	Transfer
Record Updated	May 18, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,080.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	512 CAPITOLA AVE CAPITOLA CA 950102750, CAPITOLA, CA 95010-2750

Mortgage

Document Number	14850
Date	Apr 30, 2020
Instrument	14850

Lender

Name	BANK OF THE WEST
Type	Bank
Address	500 CAPITOL MALL # 1200, SACRAMENTO, CA 95814-4744

Agreement

Amount	Amount Recorded

Mortgage

Document Number	14852,
Date	Apr 30, 2020
Instrument	14852

Lender

Name	BANK OF THE WEST
Type	Bank
Address	500 CAPITOL MALL # 1200, SACRAMENTO, CA 95814-4744

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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
2026		$3,123,454 (+2%) Land $1,338,623 Building $1,784,831
2025	$37,716.00 (+14.92%)	$3,062,209 (+17.78%) Land $1,312,375 Building $1,749,834
2024	$32,820.00 (+7.33%)
2023	$30,579.00 (+10.58%)	$2,600,000 Land $1,555,702 Building $1,044,298
2022	$27,653.00

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

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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