920 Capitola Ave, Spc 20, Capitola, CA 95010 Property Records

Santa Cruz County property record for 920 Capitola Ave, Spc 20, Capitola, CA 95010

Property Summary

Property Type	Mobile Home
Details	2 bd · 2 ba · 936 sqft · built 2016
Lot Size	0.047 acres (2,047 sqft)
Owner	Individual Name on File
Last Sale	$371,500 (Oct 2016)
Tax Bill	$3,991 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Nov 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`036-531-48`

Property Details

APN / Parcel Number

Primary APN	`036-531-48`
Alternative APN	`036-531-48-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	936 sqft Gross Area

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Mobile Home
Construction Type	Manufactured
Roof Material	Composition Shingle
Lot Area	2,047 sqft (0.047 acres)

Location & Zoning

Street Address	920 CAPITOLA AVE, 20
City	CAPITOLA
State	CA
Zip	95010-2158
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Subdivision	TRACT 1546 TURNER LANE MOBILE HOME PARK
Legal Lot Number	20
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1003
Census Tract	121802

Owner

920 Capitola Ave, Spc 20 is owned and occupied by an individual who bought it in October 2016.

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

Owner of Record	Individual Name on File
Mailing Address	920 CAPITOLA AVE, 20, CAPITOLA, CA 95010-2158
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 22, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Nov 5, 2018	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Sep 14, 2020	Deed of Trust, Mortgage · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Jul 22, 2019	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LNDG
Nov 30, 2017	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2016 · Amount on File
Deed Sale	Oct 31, 2016 · Amount on File
Prior Sale	Jul 8, 2016 · Amount on File
Deed Document Number	201642706
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	920 CAPITOLA AVE SPC 20, 20, CAPITOLA, CA 95010-2158
Transaction Type	Mortgage
Record Updated	Oct 5, 2021
Title Company	TITLE CONNECT TSG, TITLE CONNECT SIM

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	920 CAPITOLA AVE, CAPITOLA, CA 95010-2147

Mortgage

Document Number	0000048415
Date	Sep 22, 2021
Instrument	2021-0048415

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	357 Months
Due	Jun 1, 2051

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	920 CAPITOLA AVE SPC 20, 20, CAPITOLA, CA 95010-2158
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE SOURCE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033203
Date	Nov 5, 2018
Instrument	2018-0033203

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60607

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2048

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	920 CAPITOLA AVE SPC 20, 20, CAPITOLA, CA 95010-2158
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	920 CAPITOLA AVE 20, 20, CAPITOLA, CA 95010-2158

Mortgage

Document Number	0000035866
Date	Sep 14, 2020
Instrument	2020-0035866

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	920 CAPITOLA AVE SPC 20, 20, CAPITOLA, CA 95010-2158
Document Number	0000025118
Instrument Date	Jul 22, 2019
Transaction Type	Mortgage
Record Updated	Sep 13, 2019
Title Company	PACIFIC COAST TITLE COMPANY, PACIFIC COAST TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	920 CAPITOLA AVE #20 CAPITOLA CA 950102158, 20, CAPITOLA, CA 95010-2158

Mortgage

Document Number	0000025118
Date	Aug 28, 2019
Instrument	25118

Lender

Name	CLEARPATH LNDG
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 27, 2049

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	920 CAPITOLA AVE SPC 20, 20, CAPITOLA, CA 95010-2158
Document Number	0000041024
Instrument Date	Nov 30, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	920 CAPITOLA AVE #20 CAPITOLA CA 950102158, 20, CAPITOLA, CA 95010-2158

Mortgage

Document Number	0000041024
Date	Dec 5, 2017
Instrument	41024

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 4, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 920 Capitola Ave, Spc 20 was $3,991 with a veteran'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		$439,230 (+2%) Land $329,137 Building $110,093
2025	$3,991.00 Disabled Person's exemption Veteran's exemption	$430,619 Land $322,684 Building $107,935
2023	$3,651.00 (-0.71%) Disabled Person's exemption Veteran's exemption	$413,896 Land $310,153 Building $103,743	$1,051,650
2022	$3,677.00

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

Flood

FEMA maps place 920 Capitola Ave, Spc 20 in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.

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 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (2023)
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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 920 Capitola Ave, Spc 20 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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