625 Gilroy Dr, Capitola, CA 95010 Property Records

Santa Cruz County property record for 625 Gilroy Dr, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,124 sqft · built 1948
Lot Size	0.066 acres (2,875 sqft)
Owner	2 Company Names on Record
Last Sale	$1,225,000 (Mar 2026)
Tax Bill	$3,976 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage May 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`035-062-07`

Property Details

APN / Parcel Number

Primary APN	`035-062-07`
Alternative APN	`035-062-07-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,124 sqft Living Area
Gross Area	1,322 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 2015
Architectural Style	Bungalow
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	2,875 sqft (0.066 acres)
Garage Type	Attached
Garage Area	198 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	625 GILROY DR
City	CAPITOLA
State	CA
Zip	95010-2715
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	RIVERVIEW TERRACE SUB 2
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2005
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	1231 OLIVE BRANCH LN, SAN JOSE, CA 95120-4746
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2026	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 4, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2026 · Amount on Record
Deed Sale	Mar 30, 2026 · Amount on Record
Deed Document Number	20266910
Prior Transfer Date	May 2, 2018
Prior Transfer Doc	0000013578
Record Updated	Sep 20, 2026

March 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 30, 2026
Property Address	625 GILROY DR, CAPITOLA, CA 95010-2715
Document Number	0000006910
Map Reference	MB 25 PG 2
Instrument Date	Dec 20, 2023
Instrument	2026-0006910
Transaction Type	Transfer
Record Updated	Apr 20, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,347.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1231 OLIVE BRANCH LN, SAN JOSE, CA 95120-4746

Mortgage

Document Number	0000006911
Date	Mar 30, 2026
Instrument	2026-0006911

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 4, 2018
Property Address	625 GILROY DR, CAPITOLA, CA 95010-2715
Document Number	0000013578
Instrument Date	May 2, 2018
Instrument	13578
Transaction Type	Transfer
Record Updated	May 31, 2018

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	625 GILROY DR CAPITOLA CA 950102715, CAPITOLA, CA 95010-2715

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		$1,150,000 (+395.56%) Land $1,050,000 Building $100,000
2025	$3,976.00 (+9.05%) Homeowner's exemption	$232,063 (+4.04%) Land $124,317 Building $107,746
2024	$3,646.00 (+3.37%)
2023	$3,527.00 (+2.2%) Homeowner's exemption	$223,052 Land $119,490 Building $103,562	$1,190,340
2022	$3,451.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 757 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
Verizon Fixed Wireless	300 / 20
Surfnet Communications Fixed Wireless	100 / 20

May also be available: AT&T, Cruzio, T-Mobile, Xfinity.

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