529 Capitola Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 529 Capitola Ave, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,293 sqft · built 1890
Lot Size	0.099 acres (4,312 sqft)
Owner	2 Individual Names on Record
Last Sale	$968,000 (Nov 2018)
Tax Bill	$16,888 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Nov 2023 Transfer + 7 more
Flood Zone	Zone X (minimal risk)
APN	`035-093-01`

Property Details

APN / Parcel Number

Primary APN	`035-093-01`
Alternative APN	`035-093-01-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	2,293 sqft Living Area
Gross Area	2,746 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1990
Construction Type	Wood
Lot Area	4,312 sqft (0.099 acres)
Garage Type	Attached
Garage Area	453 sqft
Parking Spaces	1 Parking Space
Total Buildings	2 Buildings

Location & Zoning

Street Address	529 CAPITOLA AVE
City	CAPITOLA
State	CA
Zip	95010-2759
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	NORTH CAPITOLA
Legal Block	2
Legal Lot Number	1
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2010
Census Tract	121802

Owner

Source: Santa Cruz County records, as of August 24, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	529 CAPITOLA AVE, CAPITOLA, CA 95010-2759
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2024	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
Nov 20, 2023	Intrafamily Transfer, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY
Nov 20, 2023	Intrafamily Transfer, Transfer · Line of Credit BAY FCU
Apr 14, 2023	Intrafamily Transfer, Transfer OLD REPUBLIC TITLE COMPANY
Apr 14, 2023	Intrafamily Transfer, Transfer · Line of Credit BAY FCU
Feb 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
Jul 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BANK OF KANSAS CITY
Jan 29, 2019	Intrafamily Transfer, Transfer · Line of Credit LIGHTHOUSE BANK
Nov 13, 2018	Grant Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2018 · Amount on Record
Deed Sale	Nov 13, 2018 · Amount on Record
Prior Sale	Oct 8, 2009 · Amount on Record
Deed Document Number	201833926
Last Transfer Date	Nov 14, 2023
Transfer Doc	0000022392
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	529 CAPITOLA AVE, CAPITOLA, CA 95010-2759
Transaction Type	Mortgage
Record Updated	Jan 25, 2024
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	529 CAPITOLA AVE, CAPITOLA, CA 95010-2759

Mortgage

Document Number	0000000634
Date	Jan 12, 2024
Instrument	2024-0000634

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company
Address	LEWISVILLE, TX 75057

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	326 Months
Due	Mar 1, 2051

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 20, 2023
Property Address	529 CAPITOLA AVE, CAPITOLA, CA 95010-2759
Document Number	0000022409
Instrument Date	Nov 14, 2023
Instrument	2023-0022409
Transaction Type	Transfer
Record Updated	Dec 7, 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
Relationship	Family Trust
Address	529 CAPITOLA AVE, CAPITOLA, CA 95010-2759

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 20, 2023
Property Address	529 CAPITOLA AVE, CAPITOLA, CA 95010-2759
Document Number	0000022392
Instrument Date	Nov 14, 2023
Instrument	2023-0022392
Transaction Type	Transfer
Record Updated	Dec 7, 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
Relationship	Community Property with Right of Survivorship
Address	529 CAPITOLA AVE, CAPITOLA, CA 95010-2759

Mortgage

Document Number	0000022393
Date	Nov 20, 2023
Instrument	2023-0022393

Lender

Name	BAY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	302 Months
Due	Jan 15, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 14, 2023
Property Address	529 CAPITOLA AVE, CAPITOLA, CA 95010-2759
Document Number	0000006553
Instrument Date	Apr 10, 2023
Instrument	2023-0006553
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	Family Trust
Address	529 CAPITOLA AVE, CAPITOLA, CA 95010-2759

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 14, 2023
Property Address	529 CAPITOLA AVE, CAPITOLA, CA 95010-2759
Document Number	0000006536
Instrument Date	Apr 10, 2023
Instrument	2023-0006536
Transaction Type	Transfer
Record Updated	Apr 26, 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
Relationship	Community Property with Right of Survivorship
Address	529 CAPITOLA AVE, CAPITOLA, CA 95010-2759

Mortgage

Document Number	0000006537
Date	Apr 14, 2023
Instrument	2023-0006537

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

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	529 CAPITOLA AVE, CAPITOLA, CA 95010-2759
Transaction Type	Mortgage
Record Updated	Mar 9, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	529 CAPITOLA AVE, CAPITOLA, CA 95010-2759

Mortgage

Document Number	0000011956
Date	Feb 26, 2021
Instrument	2021-0011956

Lender

Name	STEARNS LENDING LLC
Type	Non-Lending Institution
Address	LEWISVILLE, TX 75057

Agreement

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

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	529 CAPITOLA AVE, CAPITOLA, CA 95010-2759
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021695
Date	Jul 3, 2017
Instrument	2017-0021695

Lender

Name	NATIONAL BANK OF KANSAS CITY
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2047

January 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 29, 2019
Property Address	529 CAPITOLA AVE, CAPITOLA, CA 95010-2759
Document Number	0000002277
Instrument Date	Jan 24, 2019
Instrument	2019-0002277
Transaction Type	Transfer
Record Updated	Aug 17, 2021
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	Family Trust
Address	529 CAPITOLA AVE, CAPITOLA, CA 95010-2759

Mortgage

Document Number	0000002278
Date	Jan 29, 2019
Instrument	2019-0002278

Lender

Name	LIGHTHOUSE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 13, 2018
Property Address	529 CAPITOLA AVE, CAPITOLA, CA 95010-2759
Document Number	0000033926
Instrument Date	Nov 6, 2018
Instrument	33926
Transaction Type	Transfer
Record Updated	Dec 4, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$1,064.80
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	L 529 CAPITOLA AVE CAPITOLA CA 95010, CAPITOLA, CA 95010

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		$1,307,322 (+2%) Land $785,039 Building $522,283
2025	$16,888.00 (+36.18%) Homeowner's exemption	$1,281,688 (+23.49%) Land $769,646 Building $512,042
2023	$12,401.00 (+1.14%) Homeowner's exemption	$1,037,891 Land $726,524 Building $311,367	$1,314,630
2022	$12,261.00

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
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 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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