523 Oak Dr, Capitola, CA 95010 Property Records

Santa Cruz County property record for 523 Oak Dr, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,690 sqft · built 1940
Lot Size	0.063 acres (2,744 sqft)
Owner	2 Trust Names on Record
Last Sale	$1,125,000 (May 2020)
Tax Bill	$16,921 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Jun 2020 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`035-082-03`

Property Details

APN / Parcel Number

Primary APN	`035-082-03`
Alternative APN	`035-082-03-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,690 sqft Living Area

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1980
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	2,744 sqft (0.063 acres)
Garage Type	Carport
Garage Area	204 sqft
Carport	Carport
Carport Area	204 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	523 OAK DR
City	CAPITOLA
State	CA
Zip	95010-2719
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	RIVERVIEW TERRACE 01
Legal Lot Number	3
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 Trust Names on Record
Mailing Address	523 OAK DR, CAPITOLA, CA 95010-2719
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage CELEBRITY HOME LOANS LLC
Jun 12, 2020	Quit Claim Deed, Transfer OLD REPUBLIC TITLE
May 22, 2020	Grant Deed, Transfer · Conventional Mortgage MIDWEST EQUITY MORTGAGE LLC
Jan 25, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 13, 2017	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2020 · Amount on Record
Deed Sale	May 22, 2020 · Amount on Record
Prior Sale	Sep 13, 2017 · Amount on Record
Deed Document Number	202017728
Last Transfer Date	Jun 10, 2020
Transfer Doc	0000020632
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	523 OAK DR, CAPITOLA, CA 95010-2719
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7640 SANTA THERESA DR, GILROY, CA 95020-5524

Mortgage

Document Number	0000053378
Date	Dec 11, 2020
Instrument	2020-0053378

Lender

Name	CELEBRITY HOME LOANS LLC
Type	Non-Lending Institution
Address	VILLA PARK, IL 60181

Agreement

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

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 12, 2020
Property Address	523 OAK DR, CAPITOLA, CA 95010-2719
Document Number	0000020632
Instrument Date	Jun 6, 2020
Instrument	20632
Transaction Type	Transfer
Record Updated	Jun 24, 2020
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	523 OAK DR CAPITOLA CA 950102719, CAPITOLA, CA 95010-2719

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 22, 2020
Property Address	523 OAK DR, CAPITOLA, CA 95010-2719
Document Number	0000017728
Map Reference	MB 25 PG 1
Instrument Date	May 14, 2020
Instrument	2020-0017728
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Relationship	Community Property with Right of Survivorship
Address	523 OAK DR, CAPITOLA, CA 95010-2719

Mortgage

Document Number	0000017729
Date	May 22, 2020
Instrument	2020-0017729

Lender

Name	MIDWEST EQUITY MORTGAGE LLC
Type	Mortgage Company

Agreement

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

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 25, 2018
Property Address	523 OAK DR, CAPITOLA, CA 95010-2719
Document Number	0000002467
Instrument Date	Jan 22, 2018
Instrument	2467
Transaction Type	Transfer
Record Updated	Feb 23, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	523 OAK DR CAPITOLA CA 950102719, CAPITOLA, CA 95010-2719

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 13, 2017
Property Address	523 OAK DR, CAPITOLA, CA 95010-2719
Document Number	0000030524
Map Reference	MB25 PG1
Instrument Date	Sep 12, 2017
Instrument	2017-0030524
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 OAK DR, CAPITOLA, CA 95010-2719

Mortgage

Document Number	0000030525
Date	Sep 13, 2017
Instrument	2017-0030525

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

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		$1,392,280 (+2%) Land $976,079 Building $416,201
2025	$16,921.00 (+15.56%)	$1,364,980 (+10.37%) Land $956,940 Building $408,040
2023	$14,642.00 (+1.06%)	$1,236,676 Land $919,781 Building $316,895	$1,263,240
2022	$14,488.00

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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