610 Gilroy Dr, Capitola, CA 95010 Property Records

Santa Cruz County property record for 610 Gilroy Dr, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,729 sqft · built 2000
Lot Size	0.063 acres (2,744 sqft)
Owner	2 Company Names on Record
Last Sale	$1,725,000 (Sep 2025)
Tax Bill	$21,087 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Mar 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`035-073-14`

Property Details

APN / Parcel Number

Primary APN	`035-073-14`
Alternative APN	`035-073-14-000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	1,729 sqft Living Area
Gross Area	1,969 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	2,744 sqft (0.063 acres)
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	610 GILROY DR
City	CAPITOLA
State	CA
Zip	95010-2716
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLK 8 LOT 34
Legal Subdivision	RIVERVIEW TERRACE 02
Legal Block	8
Legal Lot Number	34
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, 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 Company Names on Record
Mailing Address	610 GILROY DR, CAPITOLA, CA 95010-2716
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 5, 2025	Grant Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Mar 17, 2021	Grant Deed, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 2025 · Amount on Record
Deed Sale	Sep 5, 2025 · Amount on Record
Prior Sale	Mar 17, 2021 · Amount on Record
Deed Document Number	202518691
Prior Transfer Date	Aug 6, 2024
Prior Transfer Doc	0000015133
Record Updated	Sep 20, 2026

September 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 5, 2025
Property Address	610 GILROY DR, CAPITOLA, CA 95010-2716
Document Number	0000018691
Map Reference	MB 25 PG 2
Instrument Date	Sep 2, 2025
Instrument	2025-0018691
Transaction Type	Transfer
Record Updated	Sep 29, 2025
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,897.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	610 GIIROY DR, CAPITOLA, CA 95010-2716

Mortgage

Document Number	0000018692
Date	Sep 5, 2025
Instrument	2025-0018692

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Sep 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	9.75%
Index	SOFR Average 30-Day
Max Rate	9.75%

March 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 17, 2021
Property Address	610 GILROY DR, CAPITOLA, CA 95010-2716
Document Number	0000015702
Map Reference	MB 25 PG 2
Instrument Date	Mar 14, 2021
Instrument	2021-0015702
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$1,760.00
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	610 GILROY DR, CAPITOLA, CA 95010-2716

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		$1,725,000 (-0.4%) Land $1,345,500 Building $379,500
2025	$21,087.00 (+9.25%)	$1,731,892 (+4.04%) Land $1,298,919 Building $432,973
2023	$19,302.00 (+0.98%)	$1,664,640 Land $1,248,480 Building $416,160	$1,548,270
2022	$19,115.00

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 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.

Nearby Properties on Gilroy Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures