627 Gilroy Dr, Capitola, CA 95010 Property Records

Santa Cruz County property record for 627 Gilroy Dr, Capitola, CA 95010 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 957 sqft · built 1948
Lot Size	0.065 acres (2,831 sqft)
Owner	2 Individual Names on File
Last Sale	$1,098,000 (May 2019)
Tax Bill	$15,329 (2025)
Deeds & Mortgages	May 2022 Transfer May 2022 Transfer + 6 more
Flood Zone	Zone X (minimal risk)
APN	`035-062-06`

Property Details

APN / Parcel Number

Primary APN	`035-062-06`
Alternative APN	`035-062-06-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Building Area	957 sqft Living Area
Gross Area	1,137 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1995
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	2,831 sqft (0.065 acres)
Garage Type	Attached
Garage Area	180 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	627 GILROY DR
City	CAPITOLA
State	CA
Zip	95010-2715
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	RIVERVIEW TERRACE 02
Legal Lot Number	13
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 · APN 035-062-06

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	2 Individual Names on File
Mailing Address	2344 HOWARD AVE, SAN CARLOS, CA 94070-4513
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 03, 2022	Intrafamily Transfer, Transfer
May 03, 2022	Intrafamily Transfer, Transfer
May 04, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Jan 07, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jan 07, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
May 28, 2019	Quit Claim Deed, Transfer OLD REPUBLIC TITLE
May 28, 2019	Grant Deed, Transfer · Conventional Mortgage FREMONT BANK
Oct 01, 2018	Grant Deed, Transfer · ARM WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 28, 2019 · Amount on Record
Deed Sale	May 28, 2019 · Amount on Record
Prior Sale	Oct 01, 2018 · Amount on Record
Deed Document Number	201914228
Last Transfer Date	Mar 31, 2022
Transfer Doc	0000014083
Record Updated	Sep 20, 2026

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	May 03, 2022
Property Address	627 GILROY DR, CAPITOLA, CA 95010-2715
Document Number	0000014082
Map Reference	MB 25 PG 2
Instrument Date	Mar 31, 2022
Instrument	2022-0014082
Transaction Type	Transfer
Record Updated	May 17, 2022

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
Address	2344 HOWARD AVE, SAN CARLOS, CA 94070-4513

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	May 03, 2022
Property Address	627 GILROY DR, CAPITOLA, CA 95010-2715
Document Number	0000014083
Map Reference	MB 25 PG 2
Instrument Date	Mar 31, 2022
Instrument	2022-0014083
Transaction Type	Transfer
Record Updated	Jun 07, 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
Address	2344 HOWARD AVE, SAN CARLOS, CA 94070-4513

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	627 GILROY DR, CAPITOLA, CA 95010-2715
Transaction Type	Mortgage
Record Updated	May 19, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2344 HOWARD AVE, SAN CARLOS, CA 94070-4513

Mortgage

Document Number	0000025364
Date	May 04, 2021
Instrument	2021-0025364

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2051

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 07, 2020
Property Address	627 GILROY DR, CAPITOLA, CA 95010-2715
Document Number	0000000441
Instrument Date	Dec 12, 2019
Instrument	441
Transaction Type	Transfer
Record Updated	Jan 24, 2020
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	2344 HOWARD AVE SAN CARLOS CA 940704513, SAN CARLOS, CA 94070-4513

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 07, 2020
Property Address	627 GILROY DR, CAPITOLA, CA 95010-2715
Document Number	0000000442
Instrument Date	Dec 12, 2019
Instrument	442
Transaction Type	Transfer
Record Updated	Jan 24, 2020
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	Separate Estate/Property
Address	2344 HOWARD AVE SAN CARLOS CA 940704513, SAN CARLOS, CA 94070-4513

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 28, 2019
Property Address	627 GILROY DR, CAPITOLA, CA 95010-2715
Document Number	0000014227
Instrument Date	May 16, 2019
Instrument	14227
Transaction Type	Transfer
Record Updated	Jun 12, 2019
Title Company	OLD REPUBLIC 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	2344 HOWARD AVE SAN CARLOS CA 940704513, SAN CARLOS, CA 94070-4513

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 28, 2019
Property Address	627 GILROY DR, CAPITOLA, CA 95010-2715
Document Number	0000014228
Map Reference	MB 25 PG 2
Instrument Date	May 15, 2019
Instrument	2019-0014228
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2344 HOWARD AVE, SAN CARLOS, CA 94070-4513

Mortgage

Document Number	0000014229
Date	May 28, 2019
Instrument	2019-0014229

Lender

Name	FREMONT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2049

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 01, 2018
Property Address	627 GILROY DR, CAPITOLA, CA 95010-2715
Document Number	0000029765
Map Reference	MB 25 PG 2
Instrument Date	Sep 25, 2018
Instrument	2018-0029765
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	25586 WILLOW POND LN, LOS ALTOS HILLS, CA 94022-4517

Mortgage

Document Number	0000029766
Date	Oct 01, 2018
Instrument	2018-0029766

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Oct 01, 2028
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.87%
Index	1-Year LIBOR
Max Rate	8.87%

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		$1,249,336 (+2%) Land $999,469 Building $249,867
2025	$15,329.00 (+9.53%)	$1,224,840 (+4.04%) Land $979,872 Building $244,968
2023	$13,995.00 (+1.08%)	$1,177,278 Land $941,822 Building $235,456	$1,131,750
2022	$13,846.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 757 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Surfnet Communications	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

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

Mobile Coverage

5G and 4G LTE

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