Santa Cruz County property record for 1705 Wharf Rd, Capitola, CA 95010
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 576 sqft · built 1949 |
| Lot Size | 0.071 acres (3,093 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $640,000 (Apr 2014) |
| Tax Bill | $10,329 (2025) |
| Deeds & Mortgages | Sep 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 034-024-13 |
| Primary APN | 034-024-13 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Building Area | 576 sqft Living Area |
| Gross Area | 792 sqft |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 3,093 sqft (0.071 acres) |
| Garage Type | Attached |
| Garage Area | 216 sqft |
| Parking Spaces | 1 Parking Space |
| Street Address | 1705 WHARF RD |
|---|---|
| City | CAPITOLA |
| State | CA |
| Zip | 95010-2836 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | MAP OF CAPITOLA HEIGHTS |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 121701 |
1705 Wharf Rd is owned by two individuals who bought it in April 2014.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 895 COUNTRY CLUB DR, KINGMAN, AZ 86401-3912 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 3, 2014 · Amount on File |
| Deed Sale | Apr 3, 2014 · Amount on File |
| Prior Sale | Apr 2, 2010 · Amount on File |
| Deed Document Number | 201410279 |
| Prior Transfer Date | Oct 7, 2010 |
| Prior Transfer Doc | 0000043495 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 1705 WHARF RD, CAPITOLA, CA 95010-2836 |
| Document Number | 0000031430 |
| Instrument Date | Sep 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2019 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3338 SOUTHERN VISTA DR #3102 KINGMAN AZ 864010632, 3102, KINGMAN, AZ 86401-0632 |
| Document Number | 0000031430 |
|---|---|
| Date | Oct 11, 2019 |
| Instrument | 31430 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 10, 2034 |
The 2025 property tax bill for 1705 Wharf Rd was $10,329.
Source: Santa Cruz County assessment roll, as of August 19, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $800,243 (+2%) Land $562,671 Building $237,572 | ||
| 2025 | $10,329.00 | $784,553 Land $551,639 Building $232,914 | |
| 2023 | $9,386.00 (+1.25%) | $754,088 Land $530,218 Building $223,870 | $954,990 |
| 2022 | $9,270.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1705 Wharf Rd in Zone X, an area of minimal flood risk, within 500 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 minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2022) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Dec 2022 · 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 risk around 1705 Wharf Rd is low, with less than 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 99.1% of the US · lower than 99.2% of California |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
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.
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