525 Oak Dr, Capitola, CA 95010 Property Records

Santa Cruz County property record for 525 Oak Dr, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 842 sqft · built 1954
Lot Size	0.062 acres (2,701 sqft)
Owner	Individual Name on Record
Tax Bill	$3,606 (2025)
Deeds & Mortgages	Apr 2023 Transfer Apr 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`035-082-02`

Property Details

APN / Parcel Number

Primary APN	`035-082-02`
Alternative APN	`035-082-02-000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Building Area	842 sqft Living Area

Exterior

Year Built	Built 1954
Effective Year Built	Effective 2022
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	2,701 sqft (0.062 acres)
Garage Type	Carport
Garage Area	190 sqft
Carport	Carport
Carport Area	190 sqft

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	525 OAK DR
City	CAPITOLA
State	CA
Zip	95010-2719
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLK 1 LOT 2
Legal Subdivision	RIVERVIEW TERRACE 00
Legal Block	1
Legal Lot Number	2
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	525 OAK DR, CAPITOLA, CA 95010-2719
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2023	Intrafamily Transfer, Transfer OLD REPUBLIC TITLE COMPANY
Apr 25, 2023	Intrafamily Transfer, Transfer · Line of Credit BAY FCU
Jan 18, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 19, 2023
Transfer Doc	0000007143
Record Updated	Sep 20, 2026

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 25, 2023
Property Address	525 OAK DR, CAPITOLA, CA 95010-2719
Document Number	0000007178
Map Reference	MB 25 PG 1
Instrument Date	Apr 19, 2023
Instrument	2023-0007178
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	OLD REPUBLIC TITLE COMPANY

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	Living Trust
Address	525 OAK DR, CAPITOLA, CA 95010-2719

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 25, 2023
Property Address	525 OAK DR, CAPITOLA, CA 95010-2719
Document Number	0000007143
Map Reference	MB 25 PG 1
Instrument Date	Apr 19, 2023
Instrument	2023-0007143
Transaction Type	Transfer
Record Updated	May 10, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

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
Address	525 OAK DR, CAPITOLA, CA 95010-2719

Mortgage

Document Number	0000007144
Date	Apr 25, 2023
Instrument	2023-0007144

Lender

Name	BAY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	302 Months
Due	Jun 15, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 18, 2022
Property Address	525 OAK DR, CAPITOLA, CA 95010-2719
Document Number	0000001631
Map Reference	MB 25 PG 1
Instrument Date	Nov 18, 2021
Instrument	2022-0001631
Transaction Type	Transfer
Record Updated	Jun 7, 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	Living Trust
Address	501 BEVERLY AVE, CAPITOLA, CA 95010-2706

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		$213,339 (+2%) Land $105,667 Building $107,672
2025	$3,606.00 (+13.47%) Homeowner's exemption	$209,156 (+4.04%) Land $103,595 Building $105,561
2023	$3,178.00 (+10.23%) Homeowner's exemption	$201,034 Land $99,572 Building $101,462	$882,900
2022	$2,883.00

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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