Santa Cruz County property record for 2091 Wharf Rd, Capitola, CA 95010 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,868 sqft · built 1951 |
| Lot Size | 0.472 acres (20,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $699,000 (Mar 2001) |
| Tax Bill | $13,575 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 034-241-05 |
| Primary APN | 034-241-05 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,868 sqft Living Area |
| Gross Area | 2,176 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 20,560 sqft (0.472 acres) |
| Garage Type | Attached |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 2091 WHARF RD |
|---|---|
| City | CAPITOLA |
| State | CA |
| Zip | 95010-2002 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 121701 |
Source: Santa Cruz County records · APN 034-241-05
Assessment roll updated August 19, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 2091 WHARF RD, CAPITOLA, CA 95010-2002 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 07, 2001 · Amount on Record |
| Deed Sale | Mar 07, 2001 · Amount on Record |
| Deed Document Number | 200111489 |
| Prior Transfer Date | Sep 19, 1996 |
| Prior Transfer Doc | 0000054400 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Aug 04, 2026 |
| Property Address | 2091 WHARF RD, CAPITOLA, CA 95010-2002 |
| Document Number | 0000017582 |
| Instrument Date | Jul 02, 2026 |
| Instrument | 202617582 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2026 |
| Title Company | STEWART GUARANTY TITLE, STEWART TITLE GUARANTY COMPA |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 2091 WHARF RD, CAPITOLA, CA 95010-2002 |
| Document Number | 0000017582, |
|---|---|
| Date | Aug 04, 2026 |
| Instrument | 202617582 |
| Name | LIGHTHOUSE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026
| 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) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,156,911 (+7.38%) Land $829,977 Building $326,934 | ||
| 2025 | $13,575.00 (+9.7%) Homeowner's exemption | $1,077,364 (+4.04%) Land $813,703 Building $263,661 | |
| 2023 | $12,375.00 (+1.14%) Homeowner's exemption | $1,035,528 Land $782,106 Building $253,422 | $1,341,360 |
| 2022 | $12,236.00 |
Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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