728 Gilroy Dr, Capitola, CA 95010 Property Records

Santa Cruz County property record for 728 Gilroy Dr, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 602 sqft · built 1949
Lot Size	0.069 acres (3,006 sqft)
Owner	2 Individual Names on Record
Last Sale	$665,000 (Jul 2016)
Tax Bill	$10,105 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`035-053-19`

Property Details

APN / Parcel Number

Primary APN	`035-053-19`
Alternative APN	`035-053-19-000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	602 sqft Living Area

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	3,006 sqft (0.069 acres)
Garage Type	Carport
Garage Area	228 sqft
Carport	Carport
Carport Area	228 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	728 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	55
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 Individual Names on Record
Mailing Address	728 GILROY DR, CAPITOLA, CA 95010-2718
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Apr 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage PREMIER MORTGAGE RESOURCES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2016 · Amount on Record
Deed Sale	Jul 20, 2016 · Amount on Record
Prior Sale	Jan 19, 2006 · Amount on Record
Deed Document Number	201626068
Prior Transfer Date	Jun 27, 2016
Prior Transfer Doc	0000026067
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	728 GILROY DR, CAPITOLA, CA 95010-2718
Transaction Type	Mortgage
Record Updated	Oct 5, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL MCLPC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	728 GILROY DR, CAPITOLA, CA 95010-2718

Mortgage

Document Number	0000048600
Date	Sep 23, 2021
Instrument	2021-0048600

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	728 GILROY DR, CAPITOLA, CA 95010-2718
Transaction Type	Mortgage
Record Updated	May 7, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	728 GILROY DR, CAPITOLA, CA 95010-2718

Mortgage

Document Number	0000022561
Date	Apr 20, 2021
Instrument	2021-0022561

Lender

Name	PREMIER MORTGAGE RESOURCES LLC
Type	Mortgage Company
Address	PORTLAND, OR 97209

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

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		$787,225 (+2%) Land $590,419 Building $196,806
2025	$10,105.00 (+10.11%) Homeowner's exemption	$771,789 (+4.04%) Land $578,842 Building $192,947
2023	$9,177.00 (+1.29%) Homeowner's exemption	$741,820 Land $556,365 Building $185,455	$828,540
2022	$9,060.00

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