523 Capitola Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 523 Capitola Ave, Capitola, CA 95010

Property Summary

Property Type	Medical Building
Details	1,141 sqft · built 1966
Lot Size	0.092 acres (4,008 sqft)
Owner	Company Name on File
Last Sale	$702,000 (Nov 2018)
Tax Bill	$9,149 (2025)
Deeds & Mortgages	Oct 2018 Mortgage Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`035-093-04`

Property Details

APN / Parcel Number

Primary APN	`035-093-04`
Alternative APN	`035-093-04-000`

Interior

Stories	1 Story
Building Area	1,141 sqft Gross Area
1st Floor Area	1,141 sqft

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	4,008 sqft (0.092 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	523 CAPITOLA AVE
City	CAPITOLA
State	CA
Zip	95010-2824
Property Category	Commercial
Property Type	Commercial > Office > Medical Building
Legal Description	MAP 000000 00000
Legal Subdivision	NORTH CAPITOLA
Legal Block	2
Legal Lot Number	7
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2010
Census Tract	121802

Owner

523 Capitola Ave, a commercial property, is owned by a company that bought it in November 2018.

Source: Santa Cruz County records, as of August 19, 2026

Owner of Record	Company Name on File
Mailing Address	750 CAMDEN AVE, A, CAMPBELL, CA 95008-4136
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2018	Deed of Trust, Mortgage CIT BK NA
Nov 1, 2018	Grant Deed, Transfer · Commercial Mortgage ENTERPRISE FUNDING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2018 · Amount on File
Deed Sale	Nov 1, 2018 · Amount on File
Prior Sale	Sep 1, 1999 · Amount on File
Deed Document Number	201833053
Record Updated	Sep 20, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	523 CAPITOLA AVE, CAPITOLA, CA 95010-2824
Document Number	0000033496
Instrument Date	Oct 25, 2018
Transaction Type	Mortgage
Record Updated	Nov 28, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	523 CAPITOLA AVE CAPITOLA CA 950102824, CAPITOLA, CA 95010-2824

Mortgage

Document Number	0000033496
Date	Nov 7, 2018
Instrument	33496

Lender

Name	CIT BK NA
Address	SAN DIEGO, CA 92131-2444

Agreement

Amount	Amount on Record
Term	300 Months
Due	Nov 6, 2043

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 1, 2018
Property Address	523 CAPITOLA AVE, CAPITOLA, CA 95010-2824
Document Number	0000033053
Instrument Date	Oct 9, 2018
Instrument	2018-0033053
Transaction Type	Transfer
Record Updated	Feb 7, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6113 ABBEY RD, APTOS, CA 95003-3147

Mortgage

Document Number	0000033054
Date	Nov 1, 2018
Instrument	2018-0033054

Lender

Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	0000033062
Date	Nov 1, 2018
Instrument	2018-0033062

Lender

Name	ENTERPRISE FUNDING CORP
Type	Funding / Finance Company
Address	REDLANDS, CA 92373

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 523 Capitola Ave was $9,149.

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
2026		$738,452 (+2%) Land $455,132 Building $283,320
2025	$9,149.00	$723,972 Land $446,208 Building $277,764
2023	$8,347.00 (+1.36%)	$695,859 Land $428,881 Building $266,978
2022	$8,235.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 523 Capitola Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 523 Capitola Ave is low, with less than a 0.01% annual chance of 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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