518 Gilroy Dr, Capitola, CA 95010 Property Records

Santa Cruz County property record for 518 Gilroy Dr, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,063 sqft · built 1963
Lot Size	0.063 acres (2,744 sqft)
Owner	Individual Name on Record
Last Sale	$962,500 (Apr 2019)
Tax Bill	$16,720 (2025)
Deeds & Mortgages	Oct 2021 Mortgage May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`035-082-24`

Property Details

APN / Parcel Number

Primary APN	`035-082-24`
Alternative APN	`035-082-24-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	1,063 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 2000
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	2,744 sqft (0.063 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	518 GILROY DR
City	CAPITOLA
State	CA
Zip	95010-2714
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLK 1 LOT 22
Legal Subdivision	RIVERVIEW TERRACE CAPITOLA 01
Legal Lot Number	22
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	Individual Name on Record
Mailing Address	180 PEAR CREEK LN, SANTA CRUZ, CA 95065-9643
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
May 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA
Apr 30, 2019	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA
Apr 30, 2019	Quit Claim Deed, Transfer BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2019 · Amount on Record
Deed Sale	Apr 30, 2019 · Amount on Record
Prior Sale	Sep 28, 2000 · Amount on Record
Deed Document Number	201911172
Prior Transfer Date	Sep 23, 1997
Prior Transfer Doc	0000061929
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	518 GILROY DR, CAPITOLA, CA 95010-2714
Transaction Type	Mortgage
Record Updated	Jun 15, 2023
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 GILROY DR, CAPITOLA, CA 95010-2714

Mortgage

Document Number	0000054093
Date	Oct 29, 2021
Instrument	2021-0054093

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	518 GILROY DR, CAPITOLA, CA 95010-2714
Document Number	0000019637
Instrument Date	May 22, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	518 GILROY DR CAPITOLA CA 950102714, CAPITOLA, CA 95010-2714

Mortgage

Document Number	0000019637
Date	Jun 8, 2020
Instrument	19637

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 7, 2050

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 30, 2019
Property Address	518 GILROY DR, CAPITOLA, CA 95010-2714
Document Number	0000011172
Instrument Date	Apr 25, 2019
Instrument	11172
Transaction Type	Transfer
Record Updated	Jun 1, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,059.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	518 GILROY DR CAPITOLA CA 950102714, CAPITOLA, CA 95010-2714

Mortgage

Document Number	11174
Date	Apr 30, 2019
Instrument	11174

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 29, 2049

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 30, 2019
Property Address	518 GILROY DR, CAPITOLA, CA 95010-2714
Document Number	0000011173
Instrument Date	Apr 19, 2019
Instrument	11173
Transaction Type	Transfer
Record Updated	Jun 1, 2020
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	518 GILROY DR CAPITOLA CA 950102714, CAPITOLA, CA 95010-2714

Mortgage

Document Number	11174
Date	Apr 30, 2019
Instrument	11174

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 29, 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		$1,374,264 (+2%) Land $1,108,962 Building $265,302
2025	$16,720.00 (+35.8%)	$1,347,318 (+30.84%) Land $1,087,218 Building $260,100
2023	$12,312.00 (+1.14%) Homeowner's exemption	$1,029,708 Land $654,470 Building $375,238	$1,044,090
2022	$12,173.00

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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