2060 Wharf Rd, Capitola, CA 95010 Property Records

Santa Cruz County property record for 2060 Wharf Rd, Capitola, CA 95010

Property Summary

Property Type	Condominium
Details	2 bd · 2.5 ba · 1,311 sqft · built 1983
Lot Size	0.017 acres (741 sqft)
Owner	Individual Name on Record
Last Sale	$920,000 (Oct 2021)
Tax Bill	$12,255 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`035-281-11`

Property Details

APN / Parcel Number

Primary APN	`035-281-11`
Alternative APN	`035-281-11-000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	1,311 sqft Living Area
Gross Area	1,731 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Condo/Apartment
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	741 sqft (0.017 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2060 WHARF RD
City	CAPITOLA
State	CA
Zip	95010-2050
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	TRACT 943 UNIT C-11 2
Legal Subdivision	RIVERVIEW OF CAPITOLA
Legal Tract	943
Legal Lot Number	1
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	3
Census Block	3000
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	2060 WHARF RD, CAPITOLA, CA 95010-2050
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2021	Grant Deed, Transfer · Conventional Mortgage MOUNTAIN WEST FINANCIAL INC
Mar 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Oct 31, 2017	Quit Claim Deed, Transfer · Conventional Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 27, 2021 · Amount on Record
Deed Sale	Oct 27, 2021 · Amount on Record
Prior Sale	Feb 11, 2005 · Amount on Record
Deed Document Number	202153737
Prior Transfer Date	Oct 23, 2017
Prior Transfer Doc	0000036526
Record Updated	Sep 20, 2026

October 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 27, 2021
Property Address	2060 WHARF RD, CAPITOLA, CA 95010-2050
Document Number	0000053737
Map Reference	MB 70 PG 5
Instrument Date	Oct 13, 2021
Instrument	2021-0053737
Transaction Type	Transfer
Record Updated	Nov 11, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,012.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2060 WHARF RD, CAPITOLA, CA 95010-2050

Mortgage

Document Number	0000053738
Date	Oct 27, 2021
Instrument	2021-0053738

Lender

Name	MOUNTAIN WEST FINANCIAL INC
Type	Mortgage Company

Agreement

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

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	2060 WHARF RD, CAPITOLA, CA 95010-2050
Transaction Type	Mortgage
Record Updated	Mar 24, 2021
Title Company	TITLE CONNECTION, TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2060 WHARF RD, CAPITOLA, CA 95010-2050

Mortgage

Document Number	0000014192
Date	Mar 10, 2021
Instrument	2021-0014192

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

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

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 31, 2017
Property Address	2060 WHARF RD, CAPITOLA, CA 95010-2050
Document Number	0000036526
Instrument Date	Oct 23, 2017
Instrument	36526
Transaction Type	Transfer
Record Updated	Nov 16, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	2060 WHARF RD CAPITOLA CA 950102050, CAPITOLA, CA 95010-2050

Mortgage

Document Number	36527
Date	Oct 31, 2017
Instrument	36527

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 30, 2047

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		$995,838 (+2%) Land $597,503 Building $398,335
2025	$12,255.00 (+8.95%) Homeowner's exemption	$976,312 (+4.04%) Land $585,787 Building $390,525
2023	$11,248.00 (+1.1%)	$938,400 Land $563,040 Building $375,360	$849,240
2022	$11,126.00

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

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

Values are read at the parcel center point; 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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