716 Gilroy Dr, Capitola, CA 95010 Property Records

Santa Cruz County property record for 716 Gilroy Dr, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,654 sqft · built 1951
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on File
Last Sale	$1,320,000 (Mar 2019)
Tax Bill	$18,062 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`035-053-11`

Property Details

APN / Parcel Number

Primary APN	`035-053-11`
Alternative APN	`035-053-11-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Building Area	1,654 sqft Living Area
Gross Area	1,969 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1996
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	4,792 sqft (0.11 acres)
Garage Type	Attached
Garage Area	315 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	716 GILROY DR
City	CAPITOLA
State	CA
Zip	95010-2718
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	RIVERVIEW TERRACE 02
Legal Block	8
Legal Lot Number	49,50
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2012
Census Tract	121802

Owner

Source: Santa Cruz County assessment roll, 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	Individual Name on File
Mailing Address	716 GILROY DR, CAPITOLA, CA 95010-2718
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage CHANGE LENDING LLC
Mar 4, 2019	Grant Deed, Transfer · ARM COMMERCE MORTGAGE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 4, 2019 · Amount on Record
Deed Sale	Mar 4, 2019 · Amount on Record
Prior Sale	Oct 2, 2015 · Amount on Record
Deed Document Number	20195488
Prior Transfer Date	Sep 18, 2013
Prior Transfer Doc	0000046451
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	716 GILROY DR, CAPITOLA, CA 95010-2718
Transaction Type	Mortgage
Record Updated	Oct 5, 2022
Title Company	FIRST AMERICAN TIT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	716 GILROY DR, CAPITOLA, CA 95010-2718

Mortgage

Document Number	0000026264
Date	Sep 20, 2022
Instrument	2022-0026264

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company
Address	IRVINE, CA 92606

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 4, 2019
Property Address	716 GILROY DR, CAPITOLA, CA 95010-2718
Document Number	0000005488
Map Reference	MB 25 PG 2
Instrument Date	Feb 26, 2019
Instrument	2019-0005488
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIDELITY NATIONAL TITLE

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	716 GILROY DRIVE, BIG BAR, CA 96010

Mortgage

Document Number	0000005489
Date	Mar 4, 2019
Instrument	2019-0005489

Lender

Name	COMMERCE MORTGAGE
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.99%
Type Change Date	Apr 1, 2024
Change Frequency	Annually
Min Rate At Change	5.99%
Max Rate At Change	8.99%
Index	1-Year LIBOR
Max Rate	11.9%

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		$1,501,934 (+2%) Land $1,051,354 Building $450,580
2025	$18,062.00 (+8.89%) Homeowner's exemption	$1,472,486 (+4.04%) Land $1,030,740 Building $441,746
2023	$16,587.00 (+1.02%)	$1,415,307 Land $990,715 Building $424,592	$1,422,180
2022	$16,419.00

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

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 Internet, T-Mobile USA, Xfinity.

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