2114 Wharf Rd, Capitola, CA 95010 Property Records

Santa Cruz County property record for 2114 Wharf Rd, Capitola, CA 95010

Property Summary

Property Type	Condominium
Details	2 bd · 2.5 ba · 1,311 sqft · built 1982
Lot Size	0.015 acres (653 sqft)
Owner	2 Individual Names on Record
Last Sale	$520,000 (May 2007)
Tax Bill	$9,159 (2025)
Deeds & Mortgages	Jan 2018 Mortgage Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`035-281-16`

Property Details

APN / Parcel Number

Primary APN	`035-281-16`
Alternative APN	`035-281-16-000`

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 1982
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

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2114 WHARF RD
City	CAPITOLA
State	CA
Zip	95010-2065
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Subdivision	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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2114 WHARF RD, CAPITOLA, CA 95010-2065
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage MR COOPER
Jan 24, 2018	Quit Claim Deed, Transfer · Conventional Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2007 · Amount on Record
Deed Sale	May 23, 2007 · Amount on Record
Prior Sale	Sep 23, 2002 · Amount on Record
Deed Document Number	200728640
Prior Transfer Date	May 11, 2007
Prior Transfer Doc	0000028641
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	2114 WHARF RD, CAPITOLA, CA 95010-2065
Document Number	0000002472
Instrument Date	Jan 16, 2018
Transaction Type	Mortgage
Record Updated	Feb 23, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2114 WHARF RD CAPITOLA CA 950102065, CAPITOLA, CA 95010-2065

Mortgage

Document Number	0000002472
Date	Jan 25, 2018
Instrument	2472

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 24, 2048

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 24, 2018
Property Address	2114 WHARF RD, CAPITOLA, CA 95010-2065
Document Number	0000002288
Instrument Date	Jan 8, 2018
Instrument	2288
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	TITLE 365

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2114 WHARF RD CAPITOLA CA 950102065, CAPITOLA, CA 95010-2065

Mortgage

Document Number	2289
Date	Jan 24, 2018
Instrument	2289

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 23, 2048

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		$710,625 (+2%) Land $426,375 Building $284,250
2025	$9,159.00 (+10.06%)	$696,691 (+4.04%) Land $418,015 Building $278,676
2023	$8,322.00 (+1.24%)	$669,638 Land $401,783 Building $267,855	$618,930
2022	$8,220.00

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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