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1820 Wharf Rd, Capitola, CA 95010 Property Records

Santa Cruz County property record for 1820 Wharf Rd, Capitola, CA 95010

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,743 sqft · built 1940
Lot Size0.354 acres (15,420 sqft)
OwnerIndividual Name on Record
Last Sale$50,500 (Feb 2003)
Tax Bill$2,551 (2025)
Deeds & MortgagesNov 2022 Transfer
Jul 2022 Reverse Mortgage
Flood ZoneZone X (minimal risk)
APN035-111-16

Property Details

APN / Parcel Number

Primary APN035-111-16
Alternative APNs
  • 035-111-16-000
  • 03511108000

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms9 Rooms
Building Area2,743 sqft Living Area
Gross Area3,310 sqft

Exterior

Year BuiltBuilt 1940
Effective Year BuiltEffective 1940
Construction TypeWood
Roof MaterialComposition Shingle
Lot Area15,420 sqft (0.354 acres)
View / LotOcean
Garage TypeAttached
Garage Area567 sqft
Parking Spaces2 Parking Spaces
Deck Area522 sqft
Patio Area522 sqft

Utilities, Heating & Cooling

SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address1820 WHARF RD
CityCAPITOLA
StateCA
Zip95010-2839
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal SubdivisionRANCHO ARROYO DEL RODEO
JurisdictionSANTA CRUZ CA
Township / Civil DivisionSANTA CRUZ
Census Block Group2
Census Block2000
Census Tract121701

Owner

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 RecordIndividual Name on Record
Mailing Address1820 WHARF RD, CAPITOLA, CA 95010-2839
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 30, 2022Intrafamily Transfer, Transfer
Jul 29, 2022Deed of Trust, Mortgage · Reverse Mortgage
SMARFI HOME LOANS LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 3, 2003 · Amount on Record
Deed SaleFeb 3, 2003 · Amount on Record
Deed Document Number200310120
Last Transfer DateNov 16, 2022
Transfer Doc0000031831
Record UpdatedSep 20, 2026

November 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSANTA CRUZ CA
Recording DateNov 30, 2022
Property Address1820 WHARF RD, CAPITOLA, CA 95010-2839
Document Number0000031831
Map ReferenceVOL 4 PG 16
Instrument DateNov 16, 2022
Instrument2022-0031831
Transaction TypeTransfer
Record UpdatedJun 7, 2023

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address1820 WHARF RD, CAPITOLA, CA 95010-2839

July 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address1820 WHARF RD, CAPITOLA, CA 95010-2839
Transaction TypeMortgage
Record UpdatedAug 8, 2022
Title CompanyFNC TITLE SERVICE

Transferred To (Grantee/Buyer)

NameVerified Name
Address1820 WHARF RD, CAPITOLA, CA 95010-2839

Mortgage

Document Number0000021953
DateJul 29, 2022
Instrument2022-0021953
Lender
NameSMARFI HOME LOANS LLC
AddressMEDINA, OH 44256
Agreement
TypeReverse Mortgage
AmountAmount Recorded
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
MunicipalityCapitola City
Secondary School DistrictSanta Cruz City High School District (9-12) (09 - 12)
Elementary School DistrictSoquel Elementary School District (KG - 08)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$108,700 (+2%) Land $42,038 Building $66,662
2025$2,551.00 (+11.4%) Homeowner's exemption$106,569 (+4.04%) Land $41,214 Building $65,355
2023$2,290.00 (+2.97%)$102,430 Land $39,613 Building $62,817$1,191,420
2022$2,224.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 in force
Nearby Flood Claims1 (2022)
Claims Outside the SFHA1 of 1
Most Recent ClaimDec 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

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

Wildfire RiskLow
lower than 80% of the US · lower than 88% of California
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemSOQUEL CREEK WATER DISTRICT
serves 40,962 people · EPA ID CA4410017
Water SourcePurchased surface water from several systems
Last State InspectionJun 2023
Lead2 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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