1532 Wharf Rd, Capitola, CA 95010 Property Records

Santa Cruz County property record for 1532 Wharf Rd, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,425 sqft · built 1927
Lot Size	0.044 acres (1,917 sqft)
Owner	Individual Name on File
Last Sale	$1,900,000 (May 2023)
Tax Bill	$23,999 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage May 2023 Transfer
Flood Zone	Zone X (moderate risk)
APN	`035-191-01`

Property Details

APN / Parcel Number

Primary APN	`035-191-01`
Alternative APN	`035-191-01-000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,425 sqft Living Area
Gross Area	1,760 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1985
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	1,917 sqft (0.044 acres)
View / Lot	Ocean
Garage Type	Attached
Garage Area	335 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1500 WHARF RD, 32
City	CAPITOLA
State	CA
Zip	95010-3269
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	VENETIAN COURT
Legal Lot Number	39,47
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1002
Census Tract	121602

Owner

1532 Wharf Rd is owned by an individual who bought it in May 2023.

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

Owner of Record	Individual Name on File
Mailing Address	1532 WHARF RD, CAPITOLA, CA 95010-3212
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
May 23, 2023	Grant Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
May 23, 2023	Intrafamily Transfer, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 23, 2023 · Amount on File
Deed Sale	May 23, 2023 · Amount on File
Deed Document Number	20239013
Prior Transfer Date	May 1, 2023
Prior Transfer Doc	0000009014
Record Updated	Sep 20, 2026

May 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 23, 2023
Property Address	1532 WHARF RD, CAPITOLA, CA 95010-3212
Document Number	0000009013
Map Reference	VOL 18 PG 44
Instrument Date	May 3, 2023
Instrument	2023-0009013
Transaction Type	Transfer
Record Updated	Jun 8, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,090.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1532 WHARF RD, CAPITOLA, CA 95010-3212

Mortgage

Document Number	0000009017
Date	May 23, 2023
Instrument	2023-0009017

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	May 23, 2023
Property Address	1532 WHARF RD, CAPITOLA, CA 95010-3212
Document Number	0000009014
Map Reference	VOL 18 PG 44
Instrument Date	May 1, 2023
Instrument	2023-0009014
Transaction Type	Transfer
Record Updated	Jun 8, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

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
Address	1532 WHARF RD, CAPITOLA, CA 95010-3212

Tax Assessment & Valuation

The 2025 property tax bill for 1532 Wharf Rd was $23,999.

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		$2,016,295 (+2%) Land $1,724,463 Building $291,832
2025	$23,999.00	$1,976,760 Land $1,690,650 Building $286,110
2023	$1,826.00 (+3.51%)	$59,842 Land $31,811 Building $28,031	$1,667,610
2022	$1,764.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1532 Wharf Rd in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone VE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 13 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	8 (2008–2023)
Most Recent Claim	Dec 2023 · rainfall accumulation
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 5 claims

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

The area around 1532 Wharf Rd has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 822 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Surfnet Communications Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Cruzio, GeoLinks, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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