1890 Wharf Rd, Capitola, CA 95010 Property Records

Santa Cruz County property record for 1890 Wharf Rd, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 750 sqft · built 1962
Lot Size	0.162 acres (7,057 sqft)
Owner	2 Individual Names on Record
Last Sale	$849,000 (Oct 2025)
Tax Bill	$8,929 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Aug 2018 Reverse Mortgage + 4 more
Flood Zone	Zone AE (high risk)
APN	`035-031-35`

Property Details

APN / Parcel Number

Primary APN	`035-031-35`
Alternative APN	`035-031-35-000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	750 sqft Living Area

Exterior

Year Built	Built 1962
Effective Year Built	Effective 2015
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Other
Lot Area	7,057 sqft (0.162 acres)
Terrain	Steep
View / Lot	Mountain
Deck Area	108 sqft
Patio Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1890 WHARF RD
City	CAPITOLA
State	CA
Zip	95010-2839
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLK P
Legal Subdivision	CAPITOLA HEIGHTS
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	2 Individual Names on Record
Mailing Address	1890 WHARF RD, CAPITOLA, CA 95010-2839
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2025	Grant Deed, Transfer · Conventional Mortgage RESICENTRAL LLC
Aug 9, 2018	Deed of Trust, Mortgage · Reverse Mortgage THE STATE OF CALIFORNIA
Jul 20, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Apr 14, 2017	Deed of Trust, Mortgage · FHA Mortgage LIBERTY HM EQUITY SOLUTIONS
Apr 14, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Apr 14, 2017	Deed of Trust, Mortgage · Conventional Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2025 · Amount on Record
Deed Sale	Oct 2, 2025 · Amount on Record
Prior Sale	Jun 25, 2015 · Amount on Record
Deed Document Number	202520922
Prior Transfer Date	Jul 5, 2018
Prior Transfer Doc	0000022271
Record Updated	Sep 20, 2026

October 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 2, 2025
Property Address	1890 WHARF RD, CAPITOLA, CA 95010-2839
Document Number	0000020922
Map Reference	MB 13 PG 31
Instrument Date	Sep 25, 2025
Instrument	2025-0020922
Transaction Type	Transfer
Record Updated	Oct 17, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$933.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	1890 WHARF RD, CAPITOLA, CA 95010-2839

Mortgage

Document Number	0000020923
Date	Oct 2, 2025
Instrument	2025-0020923

Lender

Name	RESICENTRAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1890 WHARF RD, CAPITOLA, CA 95010-2839
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024345
Date	Aug 9, 2018
Instrument	2018-0024345

Lender

Name	THE STATE OF CALIFORNIA
Type	Non-Lending Institution
Address	RANCHO CORDOVA, CA 95670

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.42%
Type Change Date	May 1, 2018
Change Frequency	Annually
Index	1-Year LIBOR

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 20, 2018
Property Address	1890 WHARF RD, CAPITOLA, CA 95010-2839
Document Number	0000022271
Instrument Date	Jul 5, 2018
Instrument	22271
Transaction Type	Transfer
Record Updated	Aug 7, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1890 WHARF RD CAPITOLA CA 950102839, CAPITOLA, CA 95010-2839

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1890 WHARF RD, CAPITOLA, CA 95010-2839
Document Number	0000013309
Instrument Date	Apr 14, 2017
Transaction Type	Mortgage
Record Updated	May 4, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1890 WHARF RD CAPITOLA CA 950102839, CAPITOLA, CA 95010-2839

Mortgage

Document Number	0000013309
Date	Apr 21, 2017
Instrument	13309

Lender

Name	LIBERTY HM EQUITY SOLUTIONS
Type	Funding / Finance Company
Address	RANCHO CORDOVA, CA 95670

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	936 Months
Due	Apr 20, 2095

Interest

Rate Type	Adjustable Rate
Rate	4.42%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1890 WHARF RD, CAPITOLA, CA 95010-2839
Document Number	0000013310
Instrument Date	Apr 14, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1890 WHARF RD CAPITOLA CA 950102839, CAPITOLA, CA 95010-2839

Mortgage

Document Number	0000013310
Date	Apr 21, 2017
Instrument	13310

Lender

Name	HUD-HOUSING/URBAN DEV

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	936 Months
Due	Apr 20, 2095

Interest

Rate Type	Adjustable Rate
Rate	4.42%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1890 WHARF RD, CAPITOLA, CA 95010-2839
Document Number	0000024344
Instrument Date	Apr 14, 2017
Transaction Type	Mortgage
Record Updated	Nov 21, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1890 WHARF RD CAPITOLA CA 950102839, CAPITOLA, CA 95010-2839

Mortgage

Document Number	0000024344
Date	Aug 9, 2018
Instrument	24344

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	924 Months
Due	Aug 8, 2095

Interest

Rate Type	Adjustable Rate
Rate	4.42%

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		$849,000 (+27.05%) Land $525,000 Building $324,000
2025	$8,929.00 (+10.33%) Homeowner's exemption	$668,229 (+4.04%) Land $499,970 Building $168,259
2023	$8,093.00 (+1.37%) Homeowner's exemption	$642,280 Land $480,555 Building $161,725	$776,160
2022	$7,984.00

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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