607 Oak Dr, Capitola, CA 95010 Property Records

Santa Cruz County property record for 607 Oak Dr, Capitola, CA 95010 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,902 sqft · built 2020
Lot Size	0.063 acres (2,744 sqft)
Owner	Individual Name on File
Last Sale	$505,000 (Jun 2009)
Tax Bill	$11,474 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`035-073-06`

Property Details

APN / Parcel Number

Primary APN	`035-073-06`
Alternative APN	`035-073-06-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	1,902 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	2,744 sqft (0.063 acres)

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	607 OAK DR
City	CAPITOLA
State	CA
Zip	95010-2721
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLK 8 LOT 26
Legal Subdivision	RIVERVIEW TERRACE 00
Legal Lot Number	26
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2012
Census Tract	121802

Owner

Source: Santa Cruz County records · APN 035-073-06

Assessment roll updated August 19, 2026 · Last verified August 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 File
Mailing Address	607 OAK DR, CAPITOLA, CA 95010-2721
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2025	Deed of Trust, Mortgage · Line of Credit CALIFORNIA COAST CU
Jan 11, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jan 11, 2021	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
May 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 24, 2009 · Amount on Record
Deed Sale	Jun 24, 2009 · Amount on Record
Prior Sale	Dec 03, 2004 · Amount on Record
Deed Document Number	200930522
Last Transfer Date	Jan 08, 2021
Transfer Doc	0000001539
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	607 OAK DR, CAPITOLA, CA 95010-2721
Transaction Type	Mortgage
Record Updated	Dec 11, 2025
Title Company	CHICAGO TITLE PIRT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1760 WILSTONE AVE, ENCINITAS, CA 92024-1124

Mortgage

Document Number	0000025294
Date	Nov 24, 2025
Instrument	2025-0025294

Lender

Name	CALIFORNIA COAST CU
Type	Credit Union
Address	SAN DIEGO, CA 92150

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Dec 28, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 11, 2021
Property Address	607 OAK DR, CAPITOLA, CA 95010-2721
Document Number	0000001540
Map Reference	MB 25 PG 2
Instrument Date	Jan 08, 2021
Instrument	2021-0001540
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN 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	607 OAK DR, CAPITOLA, CA 95010-2721

Mortgage

Document Number	0000001541
Date	Jan 11, 2021
Instrument	2021-0001541

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2051

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 11, 2021
Property Address	607 OAK DR, CAPITOLA, CA 95010-2721
Document Number	0000001539
Instrument Date	Jan 08, 2021
Instrument	1539
Transaction Type	Transfer
Record Updated	Feb 03, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	607 OAK DR CAPITOLA CA 950102721, CAPITOLA, CA 95010-2721

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	607 OAK DR, CAPITOLA, CA 95010-2721
Document Number	0000013932
Instrument Date	May 21, 2019
Transaction Type	Mortgage
Record Updated	Jun 06, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1760 WILSTONE AVE ENCINITAS CA 920241124, ENCINITAS, CA 92024-1124

Mortgage

Document Number	0000013932
Date	May 24, 2019
Instrument	13932

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 23, 2049

Tax Assessment & Valuation

Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$903,062 (+2%) Land $518,842 Building $384,220
2025	$11,474.00 (+9.89%)	$885,354 (+4.04%) Land $508,668 Building $376,686
2023	$10,441.00 (+1.2%)	$850,975 Land $488,916 Building $362,059	$1,030,950
2022	$10,317.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060871218022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 18 individual NFIP policies nearby
Nearby Flood Policies	18 in force
Nearby Flood Claims	1 (2011)
Most Recent Claim	Mar 2011, rainfall accumulation

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 752 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Surfnet Communications	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Cruzio Internet, AT&T, Verizon, T-Mobile USA, Xfinity, Spectrum, California Internet. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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