605 Oak Dr, Apt A, Capitola, CA 95010 Property Records

Santa Cruz County property record for 605 Oak Dr, Apt A, Capitola, CA 95010

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,644 sqft · built 1957
Lot Size	0.061 acres (2,657 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Jun 2002)
Tax Bill	$5,588 (2025)
Deeds & Mortgages	Jun 2022 Transfer Sep 2017 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`035-073-07`

Property Details

APN / Parcel Number

Primary APN	`035-073-07`
Alternative APN	`035-073-07-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,644 sqft Total Area

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Duplex Single
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	2,657 sqft (0.061 acres)

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	605 OAK DR, A
City	CAPITOLA
State	CA
Zip	95010-2788
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Subdivision	RIVERVIEW TERRACE 02
Legal Lot Number	27
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2012
Census Tract	121802

Owner

605 Oak Dr, Apt A is owned by two individuals who acquired it in June 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	1161 RUTH DR, SAN JOSE, CA 95125-4252
Owner Type	Individual

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
Jun 9, 2022	Intrafamily Transfer, Transfer
Sep 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage EQUITY PRIME MORTGAGE LLC
Feb 2, 2021	Intrafamily Transfer, Transfer
Mar 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jul 1, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Feb 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage BLUSTREAM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2002 · Amount on File
Deed Sale	Jun 28, 2002 · Amount on File
Deed Document Number	200246255
Last Transfer Date	Jun 2, 2022
Transfer Doc	0000017688
Record Updated	Sep 20, 2026

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 9, 2022
Property Address	605 OAK DR APT B, B, CAPITOLA, CA 95010-2788
Document Number	0000017689
Map Reference	MB 25 PG 2
Instrument Date	Jun 1, 2022
Instrument	2022-0017689
Transaction Type	Transfer
Record Updated	Sep 5, 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	Revocable Trust
Address	1161 RUTH DR, SAN JOSE, CA 95125-4252

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	605 OAK DR APT A, A, CAPITOLA, CA 95010-2788
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030427
Date	Sep 13, 2017
Instrument	2017-0030427

Lender

Name	EQUITY PRIME MORTGAGE LLC
Type	Mortgage Company
Address	ATLANTA, GA 30328

Agreement

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

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 2, 2021
Property Address	605 OAK DR APT B, B, CAPITOLA, CA 95010-2788
Document Number	0000006135
Map Reference	MB 25 PG 2
Instrument Date	Jan 14, 2021
Instrument	2021-0006135
Transaction Type	Transfer
Record Updated	Sep 5, 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	Revocable Living Trust
Address	237 UPPER TER, SAN FRANCISCO, CA 94117-4515

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	605 OAK DR APT A, A, CAPITOLA, CA 95010-2788
Document Number	0000011634
Instrument Date	Mar 14, 2020
Transaction Type	Mortgage
Record Updated	Apr 30, 2020
Title Company	AMERICAN COAST TITLE COMPANY, AMERICAN COAST TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	237 UPPER TER SAN FRANCISCO CA 941174515, SAN FRANCISCO, CA 94117-4515

Mortgage

Document Number	0000011634
Date	Apr 3, 2020
Instrument	11634

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 2, 2040

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 1, 2019
Property Address	605 OAK DR APT A, A, CAPITOLA, CA 95010-2788
Document Number	0000018112
Instrument Date	Jun 13, 2019
Instrument	18112
Transaction Type	Transfer
Record Updated	Jul 19, 2019
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	Revocable Trust
Address	333 W SANTA CLARA ST #260 SAN JOSE CA 951131714, 260, SAN JOSE, CA 95113-1714

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	605 OAK DR APT A, A, CAPITOLA, CA 95010-2788
Document Number	0000005867
Instrument Date	Feb 6, 2017
Transaction Type	Mortgage
Record Updated	Mar 9, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	237 UPPER TER SAN FRANCISCO CA 941174515, SAN FRANCISCO, CA 94117-4515

Mortgage

Document Number	0000005867
Date	Feb 16, 2017
Instrument	5867

Lender

Name	BLUSTREAM LNDG
Address	EMERYVILLE, CA 94608

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 15, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 605 Oak Dr, Apt A was $5,588.

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		$266,484 (+2%) Land $133,242 Building $133,242
2025	$5,588.00	$261,260 Land $130,630 Building $130,630
2023	$4,953.00 (+2.8%)	$251,116 Land $125,558 Building $125,558
2022	$4,818.00

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

Flood

FEMA maps place 605 Oak Dr, Apt A in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.

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 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 605 Oak Dr, Apt A is low, with 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 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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