2104 Wharf Rd, Capitola, CA 95010 Property Records

Santa Cruz County property record for 2104 Wharf Rd, Capitola, CA 95010 · Last verified August 2026

Property Summary

Property Type	Condominium
Details	2 bd · 2.5 ba · 1,311 sqft · built 1983
Lot Size	0.015 acres (653 sqft)
Owner	Individual Name on File
Last Sale	$690,000 (Jul 2020)
Tax Bill	$9,650 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jul 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`035-281-19`

Property Details

APN / Parcel Number

Primary APN	`035-281-19`
Alternative APN	`035-281-19-000`

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	653 sqft (0.015 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	2104 WHARF RD
City	CAPITOLA
State	CA
Zip	95010-2065
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Subdivision	RIVERVIEW
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 · APN 035-281-19

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	Individual Name on File
Mailing Address	2104 WHARF RD, CAPITOLA, CA 95010-2065
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Jul 09, 2020	Grant Deed, Transfer · Conventional with PMI PLANET HM LNDG
Nov 27, 2017	Grant Deed, Transfer · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 09, 2020 · Amount on Record
Deed Sale	Jul 09, 2020 · Amount on Record
Prior Sale	Nov 27, 2017 · Amount on Record
Deed Document Number	202024779
Prior Transfer Date	Oct 22, 2014
Prior Transfer Doc	0000040407
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	2104 WHARF RD, CAPITOLA, CA 95010-2065
Transaction Type	Mortgage
Record Updated	Oct 12, 2021
Title Company	ORABGE COAST TITLE, ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2104 WHARF RD, CAPITOLA, CA 95010-2065

Mortgage

Document Number	0000049176
Date	Sep 27, 2021
Instrument	2021-0049176

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2051

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 09, 2020
Property Address	2104 WHARF RD, CAPITOLA, CA 95010-2065
Document Number	0000024779
Instrument Date	Jun 16, 2020
Instrument	24779
Transaction Type	Transfer
Record Updated	Jul 21, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$759.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2104 WHARF RD CAPITOLA CA 950102065, CAPITOLA, CA 95010-2065

Mortgage

Document Number	24780
Date	Jul 09, 2020
Instrument	24780

Lender

Name	PLANET HM LNDG
Address	MERIDEN, CT 06450

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 08, 2050

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 27, 2017
Property Address	2104 WHARF RD, CAPITOLA, CA 95010-2065
Document Number	0000039617
Map Reference	MB70 PG5
Instrument Date	Nov 21, 2017
Instrument	2017-0039617
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	ORANGE COAST TITLE OF NORCAL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2104 WHARF RD, CAPITOLA, CA 95010-2065

Mortgage

Document Number	0000039618
Date	Nov 27, 2017
Instrument	2017-0039618

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2047

Tax Assessment & Valuation

Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 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

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		$761,815 (+2%) Land $457,089 Building $304,726
2025	$9,650.00 (+10.02%) Homeowner's exemption	$746,878 (+4.04%) Land $448,127 Building $298,751
2023	$8,771.00 (+1.22%) Homeowner's exemption	$717,876 Land $430,726 Building $287,150	$682,110
2022	$8,665.00

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft

Wildfire

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 752 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Surfnet Communications	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Cruzio Internet, AT&T, Verizon, T-Mobile USA, Xfinity, Spectrum, California Internet. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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