516 Oak Dr, Capitola, CA 95010 Property Records

Santa Cruz County property record for 516 Oak Dr, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,773 sqft · built 1972
Lot Size	0.092 acres (4,008 sqft)
Owner	2 Individual Names on File
Last Sale	$28,500 (Sep 1996)
Tax Bill	$6,567 (2025)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`035-093-32`

Property Details

APN / Parcel Number

Primary APN	`035-093-32`
Alternative APN	`035-093-32-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,773 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	4,008 sqft (0.092 acres)

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	516 OAK DR
City	CAPITOLA
State	CA
Zip	95010-2720
Property Category	Residential
Property Type	Residential > Single Family > Home
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 · APN 035-093-32

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	516 OAK DR, CAPITOLA, CA 95010-2720
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 20, 1996 · Amount on Record
Deed Sale	Sep 20, 1996 · Amount on Record
Deed Document Number	199653167
Deed Book / Page	5910 / 905
Last Transfer Date	Aug 21, 2014
Transfer Doc	0000028225
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	516 OAK DR, CAPITOLA, CA 95010-2720
Document Number	0000051296
Instrument Date	Nov 23, 2020
Transaction Type	Mortgage
Record Updated	Dec 16, 2020
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	516 OAK DR CAPITOLA CA 950102720, CAPITOLA, CA 95010-2720

Mortgage

Document Number	0000051296
Date	Dec 01, 2020
Instrument	51296

Lender

Name	KD CAPITAL MORTGAGE CORPORATION KD CAPITAL MORTGAGE CORPORATION
Type	Bank
Address	PASO ROBLES, CA 93446

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 30, 2050

Tax Assessment & Valuation

Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 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

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		$469,457 (+2%) Land $274,380 Building $195,077
2025	$6,567.00 (+11%) Homeowner's exemption	$460,252 (+4.04%) Land $269,000 Building $191,252
2023	$5,916.00 (+1.61%) Homeowner's exemption	$442,380 Land $258,554 Building $183,826	$1,094,670
2022	$5,822.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 10, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · 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.

Based on FCC filings for 822 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of 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

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 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.