1816 Wharf Rd, Capitola, CA 95010 Property Records

Santa Cruz County property record for 1816 Wharf Rd, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,422 sqft · built 2009
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Company Names on File
Tax Bill	$8,856 (2025)
Deeds & Mortgages	Aug 2018 Line of Credit Nov 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`035-111-17`

Property Details

APN / Parcel Number

Primary APN	`035-111-17`
Alternative APN	`035-111-17-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	3,422 sqft Living Area
Gross Area	4,016 sqft

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	594 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1816 WHARF RD
City	CAPITOLA
State	CA
Zip	95010-2839
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	RANCHO ARROYO DEL RODEO
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2000
Census Tract	121701

Owner

1816 Wharf Rd is owned by a company that acquired it in August 2020.

Source: Santa Cruz County records, as of August 24, 2026

Owner of Record	2 Company Names on File
Mailing Address	250 PINE DR, FAIRFAX, CA 94930-2235
Owner Type	Company
Vesting	Life Tenant

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
Aug 9, 2018	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Nov 15, 2018	Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN
Feb 11, 2021	Intrafamily Transfer, Transfer
Dec 1, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Dec 2, 2020	Quit Claim Deed, Transfer STEWART TITLE, STEWART TITLE/CA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 15, 2020
Transfer Doc	0000051200
Record Updated	Oct 29, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1816 WHARF RD, CAPITOLA, CA 95010-2839
Transaction Type	Mortgage
Record Updated	Feb 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024358
Date	Aug 9, 2018
Instrument	2018-0024358

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Sep 2, 2048

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1816 WHARF RD, CAPITOLA, CA 95010-2839
Transaction Type	Mortgage
Record Updated	Feb 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034266
Date	Nov 15, 2018
Instrument	2018-0034266

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	EL PASO, TX 79935

Agreement

Type	SBA Mortgage
Amount	Amount on Record

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 11, 2021
Property Address	1816 WHARF RD, CAPITOLA, CA 95010-2839
Document Number	0000008681
Map Reference	VOL 5 PG 15
Instrument Date	Feb 9, 2021
Instrument	2021-0008681
Transaction Type	Transfer
Record Updated	Aug 17, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 912, LOS GATOS, CA 95031-0912

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 1, 2020
Property Address	1816 WHARF RD, CAPITOLA, CA 95010-2839
Document Number	0000051200
Map Reference	VOL 4 PG 18
Instrument Date	Aug 15, 2020
Instrument	2020-0051200
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	STEWART TITLE OF CA INC

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	1816 WHARF RD, CAPITOLA, CA 95010-2839

Mortgage

Document Number	0000051201
Date	Dec 1, 2020
Instrument	2020-0051201

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 2, 2020
Property Address	1816 WHARF RD, CAPITOLA, CA 95010-2839
Document Number	0000051430
Instrument Date	Aug 15, 2020
Instrument	51430
Transaction Type	Transfer
Record Updated	Dec 16, 2020
Title Company	STEWART TITLE, STEWART TITLE/CA

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1816 WHARF RD CAPITOLA CA 950102839, CAPITOLA, CA 95010-2839

Tax Assessment & Valuation

The 2025 property tax bill for 1816 Wharf Rd was $8,856.

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		$949,022 (+43.4%) Land $223,044 Building $725,978
2025	$8,856.00 Homeowner's exemption	$661,814 Land $48,671 Building $613,143
2023	$8,025.00 (+1.36%) Homeowner's exemption	$636,115 Land $46,781 Building $589,334	$1,191,420
2022	$7,917.00

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

Flood

FEMA maps place 1816 Wharf Rd in Zone X, an area of minimal 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 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.

Wildfire

Wildfire risk around 1816 Wharf Rd 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 752 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
Surfnet Communications Fixed Wireless	100 / 20

May also be available: AT&T, Cruzio, GeoLinks, T-Mobile, Verizon, Xfinity.

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