1920 Wharf Rd, Capitola, CA 95010 Property Records

Santa Cruz County property record for 1920 Wharf Rd, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,853 sqft · built 1962
Lot Size	0.284 acres (12,371 sqft)
Owner	Company Name on Record
Last Sale	$725,000 (Aug 2002)
Tax Bill	$13,265 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Jan 2019 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`035-031-26`

Property Details

APN / Parcel Number

Primary APN	`035-031-26`
Alternative APN	`035-031-26-000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	1,853 sqft Living Area
Gross Area	2,293 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	12,371 sqft (0.284 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Deck Area	551 sqft
Patio Area	551 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1920 WHARF RD
City	CAPITOLA
State	CA
Zip	95010-2607
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	CAPITOLA HEIGHTS
Legal Block	P
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 24, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1920 WHARF RD, CAPITOLA, CA 95010-2607
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jan 30, 2019	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2002 · Amount on Record
Deed Sale	Aug 30, 2002 · Amount on Record
Prior Sale	Jan 26, 1996 · Amount on Record
Deed Document Number	200261363
Last Transfer Date	Jun 27, 2005
Transfer Doc	0000045565
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1920 WHARF RD, CAPITOLA, CA 95010-2607
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1920 WHARF RD, CAPITOLA, CA 95010-2607

Mortgage

Document Number	0000059467
Date	Dec 8, 2021
Instrument	2021-0059467

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

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

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1920 WHARF RD, CAPITOLA, CA 95010-2607
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002464
Date	Jan 30, 2019
Instrument	2019-0002464

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 15, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$1,071,049 (+2%) Land $701,722 Building $369,327
2025	$13,265.00 (+9.73%) Homeowner's exemption	$1,050,048 (+4.04%) Land $687,963 Building $362,085
2023	$12,089.00 (+1.15%) Homeowner's exemption	$1,009,273 Land $661,248 Building $348,025	$1,375,110
2022	$11,952.00

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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