1850 Wharf Rd, Capitola, CA 95010 Property Records

Santa Cruz County property record for 1850 Wharf Rd, Capitola, CA 95010

Property Summary

Property Type	Duplex
Details	3 bd · 3 ba · 663 sqft · built 1972
Lot Size	0.184 acres (8,015 sqft)
Owner	Individual Name on Record
Last Sale	$645,000 (Feb 1998)
Tax Bill	$13,911 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Feb 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`035-031-39`

Property Details

APN / Parcel Number

Primary APN	`035-031-39`
Alternative APN	`035-031-39-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Building Area	663 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1980
Architectural Style	Duplex Single
Construction Type	Wood
Roof Material	Other
Lot Area	8,015 sqft (0.184 acres)
Terrain	Steep
View / Lot	Ocean
Garage Type	Attached
Garage Area	663 sqft
Parking Spaces	2 Parking Spaces
Deck Area	1,538 sqft
Patio Area	1,538 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1850 WHARF RD, B
City	CAPITOLA
State	CA
Zip	95010-2891
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	PARCEL MAPS 3 PG 25
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2000
Census Tract	121701

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 Record	Individual Name on Record
Mailing Address	1850 WHARF RD, CAPITOLA, CA 95010-2891
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage MUFG UNION BANK NA
Feb 11, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 24, 1998 · Amount on Record
Deed Sale	Feb 24, 1998 · Amount on Record
Deed Document Number	19988962
Last Transfer Date	Sep 3, 2021
Transfer Doc	0000047298
Record Updated	Sep 20, 2026

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 15, 2021
Property Address	1850 WHARF RD, CAPITOLA, CA 95010-2891
Document Number	0000047298
Map Reference	VOL 3 PG 25
Instrument Date	Sep 3, 2021
Instrument	2021-0047298
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIDELITY NATIONAL TITLE CO

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
Relationship	Family Trust
Address	1850 WHARF RD, CAPITOLA, CA 95010-2891

Mortgage

Document Number	0000047299
Date	Sep 15, 2021
Instrument	2021-0047299

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 11, 2021
Property Address	1850 WHARF RD, CAPITOLA, CA 95010-2891
Document Number	0000008956
Map Reference	VOL 3 PG 25
Instrument Date	Feb 9, 2021
Instrument	2021-0008956
Transaction Type	Transfer
Record Updated	Aug 17, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1850 WHARF RD, CAPITOLA, CA 95010-2891

Tax Assessment & Valuation

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
2026		$1,050,524 (+2%) Land $545,623 Building $504,901
2025	$13,911.00 (+9.98%) Homeowner's exemption	$1,029,926 (+4.04%) Land $534,925 Building $495,001
2023	$12,649.00 (+1.41%) Homeowner's exemption	$989,933 Land $514,153 Building $475,780
2022	$12,473.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

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

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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