2080 Wharf Rd, Capitola, CA 95010 Property Records

Santa Cruz County property record for 2080 Wharf Rd, Capitola, CA 95010

Property Summary

Property Type	Condominium
Details	2 bd · 2.5 ba · 1,311 sqft · built 1983
Lot Size	0.016 acres (697 sqft)
Owner	Trust Name on Record
Last Sale	$310,000 (Nov 2012)
Tax Bill	$5,519 (2025)
Deeds & Mortgages	Nov 2023 Transfer Aug 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`035-281-03`

Property Details

APN / Parcel Number

Primary APN	`035-281-03`
Alternative APN	`035-281-03-000`

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	697 sqft (0.016 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	2080 WHARF RD
City	CAPITOLA
State	CA
Zip	95010-2050
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	MAP C6 973
Legal Subdivision	RIVERVIEW CAPITOLA
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	Trust Name on Record
Mailing Address	2080 WHARF RD, CAPITOLA, CA 95010-2050
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2023	Intrafamily Transfer, Transfer
Aug 1, 2023	Correction Deed · Line of Credit BAY FCU
Nov 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Apr 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 2, 2012 · Amount on Record
Deed Sale	Nov 2, 2012 · Amount on Record
Prior Sale	Jul 26, 2012 · Amount on Record
Deed Document Number	201254458
Last Transfer Date	Nov 17, 2023
Transfer Doc	0000022610
Record Updated	Sep 20, 2026

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 22, 2023
Property Address	2080 WHARF RD, CAPITOLA, CA 95010-2050
Document Number	0000022610
Map Reference	MB 69 PG 49
Instrument Date	Nov 17, 2023
Instrument	2023-0022610
Transaction Type	Transfer
Record Updated	Dec 7, 2023

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
Address	2080 WHARF RD, CAPITOLA, CA 95010-2050

August 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 1, 2023
Property Address	2080 WHARF RD, CAPITOLA, CA 95010-2050
Document Number	0000014177
Map Reference	MB 70 PG 5
Instrument Date	Jul 27, 2023
Instrument	2023-0014177
Record Updated	Aug 16, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2080 WHARF RD, CAPITOLA, CA 95010-2050

Mortgage

Document Number	0000014178
Date	Aug 1, 2023
Instrument	2023-0014178

Lender

Name	BAY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Sep 15, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	2080 WHARF RD, CAPITOLA, CA 95010-2050
Transaction Type	Mortgage
Record Updated	Nov 23, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2080 WHARF RD, CAPITOLA, CA 95010-2050

Mortgage

Document Number	0000055430
Date	Nov 8, 2021
Instrument	2021-0055430

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	2080 WHARF RD, CAPITOLA, CA 95010-2050
Transaction Type	Mortgage
Record Updated	Apr 7, 2021
Title Company	AMROCK TITLE CA INC, AMROCK TITLE CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2080 WHARF RD, CAPITOLA, CA 95010-2050

Mortgage

Document Number	0000017519
Date	Mar 26, 2021
Instrument	2021-0017519

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	2080 WHARF RD, CAPITOLA, CA 95010-2050
Document Number	0000012322
Instrument Date	Apr 4, 2020
Transaction Type	Mortgage
Record Updated	May 6, 2020
Title Company	AMROCK TITLE COMPANY, AMROCK TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2080 WHARF RD CAPITOLA CA 950102050, CAPITOLA, CA 95010-2050

Mortgage

Document Number	0000012322
Date	Apr 10, 2020
Instrument	12322

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 9, 2035

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		$389,378 (+2%) Land $233,627 Building $155,751
2025	$5,519.00 (+9.83%) Homeowner's exemption	$381,743 (+4.04%) Land $229,046 Building $152,697
2023	$5,025.00 (+1.58%)	$366,920 (+2%) Land $220,152 Building $146,768	$548,460
2022	$4,947.00	$359,725 Land $215,835 Building $143,890

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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