909 Capitola Ave, Capitola, CA 95010 Property Records

Santa Cruz County property record for 909 Capitola Ave, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	4 bd · 1,735 sqft · built 1992
Lot Size	0.143 acres (6,229 sqft)
Owner	2 Individual Names on File
Tax Bill	$8,590 (2025)
Deeds & Mortgages	Sep 2021 Transfer Sep 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`036-011-35`

Property Details

APN / Parcel Number

Primary APN	`036-011-35`
Alternative APN	`036-011-35-000`

Interior

Bedrooms	4 Beds
Total Rooms	6 Rooms
Building Area	1,735 sqft Living Area
Gross Area	2,176 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	6,229 sqft (0.143 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Deck Area	441 sqft
Patio Area	441 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Street Address	909 CAPITOLA AVE
City	CAPITOLA
State	CA
Zip	95010-2142
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	3
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2000
Census Tract	121802

Owner

909 Capitola Ave is owned and occupied by two individuals who acquired it in August 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	909 CAPITOLA AVE, CAPITOLA, CA 95010-2142
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Sep 1, 2021	Intrafamily Transfer, Transfer
Sep 1, 2021	Intrafamily Transfer, Transfer
May 20, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Jan 5, 2017	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 4, 2021
Transfer Doc	0000045280
Record Updated	Sep 20, 2026

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 1, 2021
Property Address	909 CAPITOLA AVE, CAPITOLA, CA 95010-2142
Document Number	0000045280
Map Reference	VOL 51 PG 53
Instrument Date	Aug 4, 2021
Instrument	2021-0045280
Transaction Type	Transfer
Record Updated	Sep 23, 2021

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 with Right of Survivorship
Address	909 CAPITOLA AVE, CAPITOLA, CA 95010-2142

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 1, 2021
Property Address	909 CAPITOLA AVE, CAPITOLA, CA 95010-2142
Document Number	0000045281
Map Reference	VOL 51 PG 53
Instrument Date	Aug 4, 2021
Instrument	2021-0045281
Transaction Type	Transfer
Record Updated	Jun 7, 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
Relationship	Family Trust
Address	909 CAPITOLA AVE, CAPITOLA, CA 95010-2142

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	909 CAPITOLA AVE, CAPITOLA, CA 95010-2142
Document Number	0000017789
Instrument Date	May 20, 2020
Transaction Type	Mortgage
Record Updated	Jun 12, 2020
Title Company	AMROCK TITLE CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	909 CAPITOLA AVE CAPITOLA CA 950102142, CAPITOLA, CA 95010-2142

Mortgage

Document Number	0000017789
Date	May 26, 2020
Instrument	17789

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 25, 2050

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	909 CAPITOLA AVE, CAPITOLA, CA 95010-2142
Document Number	0000001360
Instrument Date	Jan 5, 2017
Transaction Type	Mortgage
Record Updated	Jan 27, 2017
Title Company	TSI TITLE COMPANY/CA INC, TSI TITLE CO/CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	909 CAPITOLA AVE CAPITOLA CA 950102142, CAPITOLA, CA 95010-2142

Mortgage

Document Number	0000001360
Date	Jan 12, 2017
Instrument	1360

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 11, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 909 Capitola Ave was $8,590 with a homeowner's exemption.

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		$661,048 (+2%) Land $342,722 Building $318,326
2025	$8,590.00 Homeowner's exemption	$648,086 Land $336,002 Building $312,084
2023	$7,848.00 (+1.37%)	$622,919 Land $322,954 Building $299,965	$1,026,360
2022	$7,742.00

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

Flood

FEMA maps place 909 Capitola 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 909 Capitola 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 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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