Santa Cruz County property record for 1840 Wharf Rd, Capitola, CA 95010
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 4,134 sqft · built 1973 |
| Lot Size | 0.153 acres (6,665 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $3,144 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 035-031-40 |
| Primary APN | 035-031-40 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Building Area | 4,134 sqft Living Area |
| Gross Area | 4,574 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Construction Type | Wood |
| Roof Material | Other |
| Lot Area | 6,665 sqft (0.153 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 140 sqft |
| Patio Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1840 WHARF RD |
|---|---|
| City | CAPITOLA |
| State | CA |
| Zip | 95010-2839 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | ARROYO DEL RODEO |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 121701 |
1840 Wharf Rd is held in a trust since October 2016.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 2235 WHARF RD, CAPITOLA, CA 95010-2005 |
| Owner Type | Individual |
| Vesting | Trust, Living Trust |
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 Transfer Date | Oct 5, 2016 |
| Transfer Doc | 0000038743 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 1840 Wharf Rd was $3,144.
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 | $154,818 (+2%) Land $24,896 Building $129,922 | ||
| 2025 | $3,144.00 | $151,782 Land $24,408 Building $127,374 | |
| 2023 | $2,763.00 (+2.56%) | $145,888 Land $23,460 Building $122,428 | $1,191,420 |
| 2022 | $2,694.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1840 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 risk around 1840 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.
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 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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