Santa Cruz County property record for 520 Gilroy Dr, Capitola, CA 95010
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,373 sqft · built 2020 |
| Lot Size | 0.062 acres (2,701 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $885,000 (Jul 2018) |
| Tax Bill | $14,039 (2025) |
| Deeds & Mortgages | Nov 2021 Line of Credit May 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 035-082-25 |
| Primary APN | 035-082-25 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,373 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 2,701 sqft (0.062 acres) |
| Garage Area | 220 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Floor/Wall Furnace |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 520 GILROY DR |
|---|---|
| City | CAPITOLA |
| State | CA |
| Zip | 95010-2714 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | RIVERVIEW TERRACE |
| Legal Lot Number | 23 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 121802 |
Source: Santa Cruz County records · APN 035-082-25
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 Company Names on File |
|---|---|
| Mailing Address | 520 GILROY DR, CAPITOLA, CA 95010-2714 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Nov 10, 2021 | Intrafamily Transfer, Transfer · Line of Credit STAR ONE CU |
| May 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MASON MCDUFFIE MORTGAGE CORP |
| Jul 10, 2018 | Grant Deed, Transfer · Conventional Mortgage MASON MCDUFFIE MORTGAGE CORP |
| Jun 08, 2018 | Affidavit of Death, Transfer |
| Jun 04, 2018 | Affidavit of Death, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 10, 2018 · Amount on Record |
| Deed Sale | Jul 10, 2018 · Amount on Record |
| Deed Document Number | 201820944 |
| Last Transfer Date | Sep 16, 2024 |
| Transfer Doc | 0000018381 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Nov 10, 2021 |
| Property Address | 520 GILROY DR, CAPITOLA, CA 95010-2714 |
| Document Number | 0000055904 |
| Map Reference | MB 25 PG 1 |
| Instrument Date | Nov 02, 2021 |
| Instrument | 2021-0055904 |
| Transaction Type | Transfer |
| Record Updated | Nov 23, 2021 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 520 GILROY DR, CAPITOLA, CA 95010-2714 |
| Document Number | 0000055905 |
|---|---|
| Date | Nov 10, 2021 |
| Instrument | 2021-0055905 |
| Name | STAR ONE CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 302 Months |
| Due | Jan 02, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 520 GILROY DR, CAPITOLA, CA 95010-2714 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | FATC |
| Name | Verified Name |
|---|
| Document Number | 0000018262 |
|---|---|
| Date | May 28, 2020 |
| Instrument | 2020-0018262 |
| Name | MASON MCDUFFIE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | SAN RAMON, CA 94583 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Jul 10, 2018 |
| Property Address | 520 GILROY DR, CAPITOLA, CA 95010-2714 |
| Document Number | 0000020944 |
| Map Reference | MB 25 PG 1 |
| Instrument Date | Jun 14, 2018 |
| Instrument | 2018-0020944 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 520 GILROY DR, CAPITOLA, CA 95010-2714 |
| Document Number | 0000020945 |
|---|---|
| Date | Jul 10, 2018 |
| Instrument | 2018-0020945 |
| Name | MASON MCDUFFIE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2048 |
| Document Number | 0000020946 |
|---|---|
| Date | Jul 10, 2018 |
| Instrument | 2018-0020946 |
| Name | TCF NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 23, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Jun 08, 2018 |
| Property Address | 520 GILROY DR, CAPITOLA, CA 95010-2714 |
| Document Number | 0000017553 |
| Instrument Date | Jun 05, 2018 |
| Instrument | 17553 |
| Transaction Type | Transfer |
| Record Updated | Jun 19, 2018 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 3427 SAINT DEYNS ST SANTA CRUZ CA 950625537, SANTA CRUZ, CA 95062-5537 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Jun 04, 2018 |
| Property Address | 520 GILROY DR, CAPITOLA, CA 95010-2714 |
| Document Number | 0000016880 |
| Instrument Date | May 07, 2018 |
| Instrument | 16880 |
| Transaction Type | Transfer |
| Record Updated | Jun 19, 2018 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 3427 SAINT DEYNS ST SANTA CRUZ CA 950625537, SANTA CRUZ, CA 95062-5537 |
Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026
| 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) |
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 | $1,140,580 (+2%) Land $755,234 Building $385,346 | ||
| 2025 | $14,039.00 (+9.65%) Homeowner's exemption | $1,118,216 (+4.04%) Land $740,426 Building $377,790 | |
| 2023 | $12,803.00 (+1.13%) Homeowner's exemption | $1,074,794 Land $711,674 Building $363,120 | $1,137,870 |
| 2022 | $12,660.00 |
Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), as of July 10, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060871218022, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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, California Internet, Cruzio Internet, T-Mobile USA, Verizon, Xfinity.
Based on FCC filings for 752 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system CA4410017, 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 |
| 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.
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