1870 Wharf Rd, Capitola, CA 95010 Property Records

Santa Cruz County property record for 1870 Wharf Rd, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 954 sqft · built 1962
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$644,000 (Nov 2020)
Tax Bill	$9,336 (2025)
Deeds & Mortgages	Sep 2026 Mortgage May 2023 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`035-031-33`

Property Details

APN / Parcel Number

Primary APN	`035-031-33`
Alternative APN	`035-031-33-000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	954 sqft Living Area
Gross Area	1,143 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Bungalow
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	6,534 sqft (0.15 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	189 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1870 WHARF RD
City	CAPITOLA
State	CA
Zip	95010-2839
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	A035 03
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 September 29, 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	204 CENTRAL AVE, CAPITOLA, CA 95010-3407
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage EQUITY TITLE COMPANY, EQUITY TITLE
May 31, 2023	Deed of Trust, Mortgage · Conventional Mortgage CHANGE LENDING LLC
May 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage CHANGE LENDING LLC
Dec 16, 2021	Deed of Trust, Mortgage · Commercial Mortgage CONVENTUS LLC
Nov 10, 2020	Grant Deed, Transfer · Line of Credit CONVENTUS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 10, 2020 · Amount on Record
Deed Sale	Nov 10, 2020 · Amount on Record
Prior Sale	Oct 28, 1994 · Amount on Record
Deed Document Number	202047434
Prior Transfer Date	Jul 7, 2011
Prior Transfer Doc	0000015764
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 14, 2026
Property Address	1870 WHARF RD, CAPITOLA, CA 95010-2839
Document Number	0000020555
Instrument Date	Sep 4, 2026
Instrument	202620555
Transaction Type	Mortgage
Record Updated	Sep 29, 2026
Title Company	EQUITY TITLE COMPANY, EQUITY TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1870 WHARF RD, CAPITOLA, CA 95010-2839

Mortgage

Document Number	0000020555,
Date	Sep 14, 2026
Instrument	202620555

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Max Rate	-1%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1870 WHARF RD, CAPITOLA, CA 95010-2839
Transaction Type	Mortgage
Record Updated	Jun 14, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1870 WHARF RD, CAPITOLA, CA 95010-2839

Mortgage

Document Number	0000009540
Date	May 31, 2023
Instrument	2023-0009540

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92808

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1870 WHARF RD, CAPITOLA, CA 95010-2839
Transaction Type	Mortgage
Record Updated	May 31, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TIT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 CAPITOLA AVE, CAPITOLA, CA 95010-3351

Mortgage

Document Number	0000015708
Date	May 18, 2022
Instrument	2022-0015708

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company
Address	IRVINE, CA 92606

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	7.35%
Type Change Date	Jun 1, 2027
Change Frequency	6 Months
Min Rate At Change	7.35%
Max Rate At Change	9.35%
Index	Other
Margin	6
Max Rate	12.3%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1870 WHARF RD, CAPITOLA, CA 95010-2839
Transaction Type	Mortgage
Record Updated	Dec 30, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	699 ARCHER ST, MONTEREY, CA 93940-1326

Mortgage

Document Number	0000060805
Date	Dec 16, 2021
Instrument	2021-0060805

Lender

Name	CONVENTUS LLC
Type	Non-Lending Institution
Address	SAN FRANCISCO, CA 94103

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 10, 2020
Property Address	1870 WHARF RD, CAPITOLA, CA 95010-2839
Document Number	0000047434
Instrument Date	Nov 3, 2020
Instrument	47434
Transaction Type	Transfer
Record Updated	Nov 26, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$708.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 CENTRAL AVE CAPITOLA CA 950103407, CAPITOLA, CA 95010-3407

Mortgage

Document Number	47435
Date	Nov 10, 2020
Instrument	47435

Lender

Name	CONVENTUS LLC
Address	SAN FRANCISCO, CA 94103

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	Assessed Market Value
2026		$711,028 (+2%) Land $552,040 Building $158,988
2025	$9,336.00 (+10.21%)	$697,086 (+4.04%) Land $541,216 Building $155,870
2023	$8,471.00 (+1.32%)	$670,018 Land $520,200 Building $149,818	$689,400
2022	$8,361.00

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 Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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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