Santa Cruz County property record for 2235 Wharf Rd, Capitola, CA 95010
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,779 sqft · built 1961 |
| Lot Size | 0.297 acres (12,937 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,446 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 034-141-25 |
| Primary APN | 034-141-25 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Building Area | 1,779 sqft Living Area |
| Gross Area | 2,307 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 12,937 sqft (0.297 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 563 sqft |
| Patio Area | 563 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 2235 WHARF RD |
|---|---|
| City | CAPITOLA |
| State | CA |
| Zip | 95010-2005 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | PM28 41 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 121701 |
2235 Wharf Rd is owned and occupied by two individuals who acquired it in October 2015.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2235 WHARF RD, CAPITOLA, CA 95010-2005 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Oct 15, 2015 |
| Transfer Doc | 0000041777 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 2235 WHARF RD, CAPITOLA, CA 95010-2005 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2022 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 2235 WHARF RD, CAPITOLA, CA 95010-2005 |
| Document Number | 0000024631 |
|---|---|
| Date | Aug 30, 2022 |
| Instrument | 2022-0024631 |
| Name | FREMONT BANK |
|---|---|
| Type | Bank |
| Address | LIVERMORE, CA 94551 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 20, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 2235 Wharf Rd was $4,446 with a homeowner's exemption.
Source: Santa Cruz County assessment roll, as of August 19, 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $288,765 (+2%) Land $119,485 Building $169,280 | ||
| 2025 | $4,446.00 Homeowner's exemption | $283,102 Land $117,142 Building $165,960 | |
| 2023 | $3,952.00 (+2.09%) Homeowner's exemption | $272,110 Land $112,594 Building $159,516 | $1,237,050 |
| 2022 | $3,871.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2235 Wharf Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 500 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 risk around 2235 Wharf Rd is low, with a 0.01% annual chance of 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.
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 |
| 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.
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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