517 Oak Dr, Capitola, CA 95010 Property Records

Santa Cruz County property record for 517 Oak Dr, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 663 sqft · built 1947
Lot Size	0.054 acres (2,352 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (Mar 2003)
Tax Bill	$8,331 (2025)
Deeds & Mortgages	Jul 2023 Transfer Mar 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`035-082-06`

Property Details

APN / Parcel Number

Primary APN	`035-082-06`
Alternative APN	`035-082-06-000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Building Area	663 sqft Living Area

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Construction Type	Masonry / Concrete Block
Roof Material	Composition Shingle
Lot Area	2,352 sqft (0.054 acres)

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	517 OAK DR
City	CAPITOLA
State	CA
Zip	95010-2719
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	RIVERVIEW TERRACE CAPITOLA 01
Legal Lot Number	6
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2004
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 Individual Names on Record
Mailing Address	517 OAK DR, CAPITOLA, CA 95010-2719
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2023	Intrafamily Transfer, Transfer
Mar 17, 2023	Deed of Trust, Mortgage · Line of Credit COMERICA BANK
Oct 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Jan 30, 2020	Deed of Trust, Mortgage · Line of Credit CONNEXUS CU
Dec 18, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2003 · Amount on Record
Deed Sale	Mar 20, 2003 · Amount on Record
Deed Document Number	200325912
Last Transfer Date	Jan 30, 2020
Transfer Doc	0000004196
Record Updated	Sep 20, 2026

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 19, 2023
Property Address	517 OAK DR, CAPITOLA, CA 95010-2719
Document Number	0000013199
Map Reference	MB 25 PG 1
Instrument Date	Jul 17, 2023
Instrument	2023-0013199
Transaction Type	Transfer
Record Updated	Aug 2, 2023

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
Relationship	Family Trust
Address	517 OAK DR, CAPITOLA, CA 95010-2719
Investor	Possibly a Property Investor

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	517 OAK DR, CAPITOLA, CA 95010-2719
Transaction Type	Mortgage
Record Updated	Mar 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	517 OAK DR, CAPITOLA, CA 95010-2719
Investor	Possibly a Property Investor

Mortgage

Document Number	0000004567
Date	Mar 17, 2023
Instrument	2023-0004567

Lender

Name	COMERICA BANK
Type	Bank
Address	DALLAS, TX 75201

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 16, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	517 OAK DR, CAPITOLA, CA 95010-2719
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	517 OAK DR, CAPITOLA, CA 95010-2719

Mortgage

Document Number	0000041949
Date	Oct 15, 2020
Instrument	2020-0041949

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	517 OAK DR, CAPITOLA, CA 95010-2719
Instrument Date	Jan 30, 2020
Transaction Type	Mortgage
Record Updated	Feb 26, 2020
Title Company	STEWART TITLE, STEWART TITLE/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	517 OAK DR CAPITOLA CA 950102719, CAPITOLA, CA 95010-2719

Mortgage

Document Number	4197
Date	Feb 4, 2020
Instrument	4197

Lender

Name	CONNEXUS CU
Type	Credit Union
Address	WAUSAU, WI 54402-8026

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 3, 2050

Interest

Rate Type	Adjustable Rate

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	517 OAK DR, CAPITOLA, CA 95010-2719
Document Number	0000040720
Instrument Date	Dec 18, 2019
Transaction Type	Mortgage
Record Updated	Jan 17, 2020
Title Company	AMROCK TITLE CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	517 OAK DR CAPITOLA CA 950102719, CAPITOLA, CA 95010-2719

Mortgage

Document Number	0000040720
Date	Dec 23, 2019
Instrument	40720

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 22, 2049

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		$627,855 (+2%) Land $376,713 Building $251,142
2025	$8,331.00 (+10.48%) Homeowner's exemption	$615,543 (+4.04%) Land $369,326 Building $246,217
2023	$7,541.00 (+1.41%) Homeowner's exemption	$591,642 (+2%) Land $354,985 Building $236,657	$840,150
2022	$7,436.00 Homeowner's exemption	$580,040 Land $348,024 Building $232,016

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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