515 Gilroy Dr, Capitola, CA 95010 Property Records

Santa Cruz County property record for 515 Gilroy Dr, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,760 sqft · built 2014
Lot Size	0.064 acres (2,788 sqft)
Owner	2 Company Names on Record
Last Sale	$385,000 (Jul 2012)
Tax Bill	$11,306 (2025)
Deeds & Mortgages	Feb 2018 Mortgage Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`035-081-04`

Property Details

APN / Parcel Number

Primary APN	`035-081-04`
Alternative APN	`035-081-04-000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Building Area	1,760 sqft Living Area
Gross Area	2,013 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	2,788 sqft (0.064 acres)
Garage Type	Attached
Garage Area	253 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	515 GILROY DR
City	CAPITOLA
State	CA
Zip	95010-2713
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	RIVERVIEW TERRACE 01
Legal Block	3
Legal Lot Number	5
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2006
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	2 Company Names on Record
Mailing Address	515 GILROY DR, CAPITOLA, CA 95010-2713
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA
Feb 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2012 · Amount on Record
Deed Sale	Jul 17, 2012 · Amount on Record
Deed Document Number	201233593
Prior Transfer Date	Oct 31, 1997
Prior Transfer Doc	0000054598
Record Updated	Sep 20, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	515 GILROY DR, CAPITOLA, CA 95010-2713
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005563
Date	Feb 23, 2018
Instrument	2018-0005563

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	515 GILROY DR, CAPITOLA, CA 95010-2713
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 GILROY DR, CAPITOLA, CA 95010-2713

Mortgage

Document Number	0000011611
Date	Feb 25, 2021
Instrument	2021-0011611

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	FLINT, MI 48501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2041

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		$904,995 (+2%) Land $477,302 Building $427,693
2025	$11,306.00 (+10.03%) Homeowner's exemption	$887,250 (+4.04%) Land $467,943 Building $419,307
2023	$10,275.00 (+1.23%) Homeowner's exemption	$852,796 Land $449,772 Building $403,024	$1,040,130
2022	$10,150.00

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 80% of the US · lower than 88% of California
Wildfire Likelihood	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 752 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Surfnet Communications Fixed Wireless	100 / 20

May also be available: AT&T, Cruzio, GeoLinks, T-Mobile, Verizon, Xfinity.

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