4520 Soquel Wharf Rd, Soquel, CA 95073 Property Records

Santa Cruz County property record for 4520 Soquel Wharf Rd, Soquel, CA 95073

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,440 sqft · built 1980
Lot Size	0.187 acres (8,146 sqft)
Owner	Individual Name on Record
Last Sale	$1,050,000 (Aug 2021)
Tax Bill	$14,295 (2025)
Deeds & Mortgages	Apr 2022 Transfer Aug 2021 Sale + 2 more
Flood Zone	Zone AE (high risk)
APN	`030-211-36`

Property Details

APN / Parcel Number

Primary APN	`030-211-36`
Alternative APN	`030-211-36-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,440 sqft Living Area
Gross Area	2,064 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	8,146 sqft (0.187 acres)
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Deck Area	492 sqft
Patio Area	492 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4520 SOQUEL WHARF RD
City	SOQUEL
State	CA
Zip	95073
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6-GH
Legal Subdivision	PM34 25
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2026
Census Tract	122005

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	Individual Name on Record
Mailing Address	4520 SOQUEL WHARF RD, SOQUEL, CA 95073
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2022	Intrafamily Transfer, Transfer
Aug 4, 2021	Grant Deed, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY
Dec 26, 2018	Deed of Trust, Mortgage · Line of Credit COMERICA BANK
Jul 19, 2018	Deed of Trust, Mortgage · Conventional with PMI BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2021 · Amount on Record
Deed Sale	Aug 4, 2021 · Amount on Record
Prior Sale	Mar 14, 2011 · Amount on Record
Deed Document Number	202140912
Prior Transfer Date	Jan 21, 2013
Prior Transfer Doc	0000005589
Record Updated	Sep 20, 2026

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 26, 2022
Property Address	4520 WHARF RD, SOQUEL, CA 95073-2132
Document Number	0000013230
Map Reference	VOL 34 PG 25
Instrument Date	Apr 16, 2022
Instrument	2022-0013230
Transaction Type	Transfer
Record Updated	Jun 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
Relationship	Living Trust
Address	4520 WHARF RD, SOQUEL, CA 95073-2132

August 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 4, 2021
Property Address	4520 WHARF RD, SOQUEL, CA 95073-2132
Document Number	0000040912
Map Reference	VOL 34 PG 25
Instrument Date	Jul 30, 2021
Instrument	2021-0040912
Transaction Type	Transfer
Record Updated	Aug 20, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
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	4520 WHARF RD, SOQUEL, CA 95073-2132

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4520 WHARF RD, SOQUEL, CA 95073-2132
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038401
Date	Dec 26, 2018
Instrument	2018-0038401

Lender

Name	COMERICA BANK
Type	Bank
Address	DALLAS, TX 75201

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4520 WHARF RD, SOQUEL, CA 95073-2132
Document Number	0000022853
Instrument Date	Jul 19, 2018
Transaction Type	Mortgage
Record Updated	Aug 7, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4520 WHARF RD SOQUEL CA 950732132, SOQUEL, CA 95073-2132

Mortgage

Document Number	0000022853
Date	Jul 26, 2018
Instrument	22853

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 25, 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
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		$1,136,553 (+2%) Land $852,415 Building $284,138
2025	$14,295.00 (+9.05%) Homeowner's exemption	$1,114,268 (+4.04%) Land $835,701 Building $278,567
2023	$13,109.00 (+1.2%)	$1,071,000 Land $803,250 Building $267,750	$1,017,810
2022	$12,953.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 21 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	7 (2016–2023)
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 6 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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	Indirect within 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 517 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Cruzio, Kwikbit, Spectrum, T-Mobile.

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