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811 Laurence Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 811 Laurence Ave, Capitola, CA 95010

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,688 sqft · built 1963
Lot Size0.15 acres (6,534 sqft)
Owner2 Trust Names on File
Last Sale$1,555,000 (May 2024)
Tax Bill$19,432 (2025)
Deeds & MortgagesJul 2026 Mortgage
Mar 2026 Transfer
+ 2 more
Flood ZoneZone X (minimal risk)
APN036-051-05

Property Details

APN / Parcel Number

Primary APN036-051-05
Alternative APN
  • 036-051-05-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms5 Rooms
Building Area1,688 sqft Living Area
Gross Area2,568 sqft

Exterior

Year BuiltBuilt 1963
Effective Year BuiltEffective 2015
Construction TypeWood
Roof TypeSawtooth
Roof MaterialComposition Shingle
Lot Area6,534 sqft (0.15 acres)
Garage TypeAttached
Garage Area880 sqft
Parking Spaces2 Parking Spaces
Deck AreaDeck Area

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address811 LAURENCE AVE
CityCAPITOLA
StateCA
Zip95010-2116
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal SubdivisionLAURENCE TERRACE SUB TR #237
Legal Lot Number13
JurisdictionSANTA CRUZ CA
Township / Civil DivisionSANTA CRUZ
Census Block Group2
Census Block2001
Census Tract121802

Owner

811 Laurence Ave is owner-occupied and held in a trust since May 2024.

Source: Santa Cruz County records, as of August 19, 2026

Owner of Record2 Trust Names on File
Mailing Address811 LAURENCE AVE, CAPITOLA, CA 95010-2116
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Jul 13, 2026Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Mar 6, 2026Intrafamily Transfer, Transfer
Mar 6, 2026Intrafamily Transfer, Transfer
May 7, 2020Deed of Trust, Mortgage · Conventional Mortgage
UBS BANK USA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 14, 2024 · Amount on File
Deed SaleMay 14, 2024 · Amount on File
Prior SaleSep 19, 2007 · Amount on File
Deed Document Number20248996
Prior Transfer DateApr 16, 2009
Prior Transfer Doc0000016741
Record UpdatedSep 20, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Recording DateJul 13, 2026
Property Address811 LAURENCE AVE, CAPITOLA, CA 95010-2116
Document Number0000015773
Instrument DateJul 7, 2026
Instrument202615773
Transaction TypeMortgage
Record UpdatedJul 28, 2026
Title CompanyCHICAGO TITLE W, CHICAGO TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTrust, 212
Address811 LAURENCE AVE, CAPITOLA, CA 95010-2116

Mortgage

Document Number0000015773,
DateJul 13, 2026
Instrument202615773
Lender
NameUNITED WHOLESALE MORTGAGE
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueAug 1, 2056
Interest
Rate TypeAdjustable Rate
Rate5.88%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

March 2026: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSANTA CRUZ CA
Recording DateMar 6, 2026
Property Address811 LAURENCE AVE, CAPITOLA, CA 95010-2116
Document Number0000004968
Map ReferenceVOL 37 PG 8
Instrument DateFeb 20, 2026
Instrument2026-0004968
Transaction TypeTransfer
Record UpdatedMar 20, 2026

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address811 LAURENCE AVE, CAPITOLA, CA 95010-2116

March 2026: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSANTA CRUZ CA
Recording DateMar 6, 2026
Property Address811 LAURENCE AVE, CAPITOLA, CA 95010-2116
Document Number0000004967
Map ReferenceVOL 37 PG 8
Instrument DateFeb 20, 2026
Instrument2026-0004967
Transaction TypeTransfer
Record UpdatedMar 20, 2026

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address811 LAURENCE AVE, CAPITOLA, CA 95010-2116

May 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address811 LAURENCE AVE, CAPITOLA, CA 95010-2116
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyFIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000015778
DateMay 7, 2020
Instrument2020-0015778
Lender
NameUBS BANK USA
TypeBank
AddressSALT LAKE CITY, UT 84111
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueMay 1, 2050
Interest
Rate TypeAdjustable Rate
Rate3.75%
Type Change DateMay 1, 2030
Change FrequencyAnnually
Min Rate At Change2.25%
Max Rate At Change8.75%
Index1-Year LIBOR
Max Rate8.75%

Tax Assessment & Valuation

The 2025 property tax bill for 811 Laurence Ave was $19,432.

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
MunicipalityCapitola City
Secondary School DistrictSanta Cruz City High School District (9-12) (09 - 12)
Elementary School DistrictSoquel Elementary School District (KG - 08)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$1,617,822 (+2%) Land $1,245,723 Building $372,099
2025$19,432.00$1,586,100 Land $1,221,297 Building $364,803
2023$12,448.00 (+1.12%)$1,035,262 Land $707,009 Building $328,253$1,054,530
2022$12,310.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 811 Laurence Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.

Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 18 policies
Nearby Flood Policies18 in force
Nearby Flood Claims1 (2011)
Most Recent ClaimMar 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

Wildfire risk around 811 Laurence Ave is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · lower than 88% of California
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemSOQUEL CREEK WATER DISTRICT
serves 40,962 people · EPA ID CA4410017
Water SourcePurchased surface water from several systems
Last State InspectionJun 2023
Lead2 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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