Santa Cruz County property record for 1810 Wharf Rd, Capitola, CA 95010
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,953 sqft · built 2020 |
| Lot Size | 0.455 acres (19,820 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $1,000,000 (Jun 2016) |
| Tax Bill | $22,717 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage May 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 035-111-02 |
| Primary APN | 035-111-02 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 8 Rooms |
| Building Area | 3,953 sqft Living Area |
| Gross Area | 4,709 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 19,820 sqft (0.455 acres) |
| View / Lot | Ocean |
| Garage Type | Attached |
| Garage Area | 756 sqft |
| Parking Spaces | 1 Parking Space |
| Total Buildings | 2 Buildings |
| Heating System | HVAC |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1810 WHARF RD |
|---|---|
| City | CAPITOLA |
| State | CA |
| Zip | 95010-2839 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | ARROYO DEL RODEO RHO |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 121701 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Old Riverview Historic District listed 1988 · 55 contributing resources · NRIS 87000626 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Santa Cruz County records, as of August 19, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 1810 WHARF RD, CAPITOLA, CA 95010-2839 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Feb 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| May 29, 2019 | Deed of Trust, Mortgage · Conventional Mortgage RICHARD STROCK PSP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 21, 2016 · Amount on Record |
| Deed Sale | Jun 21, 2016 · Amount on Record |
| Prior Sale | Sep 29, 2010 · Amount on Record |
| Deed Document Number | 201622245 |
| Prior Transfer Date | Apr 23, 2015 |
| Prior Transfer Doc | 0000015647 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 1810 WHARF RD, CAPITOLA, CA 95010-2839 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2021 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 1810 WHARF RD, CAPITOLA, CA 95010-2839 |
| Document Number | 0000010653 |
|---|---|
| Date | Feb 19, 2021 |
| Instrument | 2021-0010653 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 1810 WHARF RD, CAPITOLA, CA 95010-2839 |
| Document Number | 0000018510 |
| Instrument Date | May 29, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 251 CENTER AVE #A APTOS CA 950034471, A, APTOS, CA 95003-4471 |
| Document Number | 0000018510 |
|---|---|
| Date | Jul 3, 2019 |
| Instrument | 18510 |
| Name | RICHARD STROCK PSP |
|---|---|
| Address | LOS ALTOS, CA 94022 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
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 |
|---|---|---|
| 2026 | $1,816,275 (+2%) Land $1,086,726 Building $729,549 | |
| 2025 | $22,717.00 (+9.16%) Homeowner's exemption | $1,780,663 (+4.04%) Land $1,065,418 Building $715,245 |
| 2023 | $20,810.00 (+1.21%) | $1,711,518 Land $1,024,047 Building $687,471 |
| 2022 | $20,562.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 100 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.
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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