4522 Soquel Wharf Rd, Soquel, CA 95073 Property Records

Santa Cruz County property record for 4522 Soquel Wharf Rd, Soquel, CA 95073

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,548 sqft · built 1977
Lot Size	0.205 acres (8,930 sqft)
Owner	2 Individual Names on Record
Last Sale	$980,000 (Nov 2020)
Tax Bill	$13,688 (2025)
Deeds & Mortgages	Aug 2017 Mortgage Nov 2020 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`030-211-41`

Property Details

APN / Parcel Number

Primary APN	`030-211-41`
Alternative APNs	`030-211-41-000` `03021126000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Building Area	1,548 sqft Living Area
Gross Area	2,064 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	8,930 sqft (0.205 acres)
Garage Type	Attached
Garage Area	516 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	4522 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	PARCEL MAP
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 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	4522 WHARF RD, SOQUEL, CA 95073-2132
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage BREEZE FUNDING INC
Nov 13, 2020	Grant Deed, Transfer · Conventional Mortgage US BANK NA
Apr 28, 2017	Grant Deed, Transfer · Line of Credit LENDINGHOME FUNDING CORP
Jan 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage JANET ROMANOWSKI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2020 · Amount on Record
Deed Sale	Nov 13, 2020 · Amount on Record
Prior Sale	Apr 28, 2017 · Amount on Record
Deed Document Number	202048033
Record Updated	Sep 20, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4522 WHARF RD, SOQUEL, CA 95073-2132
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000026422
Date	Aug 10, 2017
Instrument	2017-0026422

Lender

Name	BREEZE FUNDING INC
Type	Mortgage Company
Address	LAGUNA HILLS, CA 92653

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 13, 2020
Property Address	4522 WHARF RD, SOQUEL, CA 95073-2132
Document Number	0000048033
Map Reference	MB 22 PG 17
Instrument Date	Oct 13, 2020
Instrument	2020-0048033
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Relationship	Community Property with Right of Survivorship
Address	4522 WHARF RD, SOQUEL, CA 95073-2132

Mortgage

Document Number	0000048034
Date	Nov 13, 2020
Instrument	2020-0048034

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 28, 2017
Property Address	4522 WHARF RD, SOQUEL, CA 95073-2132
Document Number	0000014120
Map Reference	PM22 PG17
Instrument Date	Apr 25, 2017
Instrument	2017-0014120
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	STEWART TITLE OF CA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	226 EDELEN AVE APT 9, 9, LOS GATOS, CA 95030-6023

Mortgage

Document Number	0000014121
Date	Apr 28, 2017
Instrument	2017-0014121

Lender

Name	LENDINGHOME FUNDING CORP
Type	Funding / Finance Company

Agreement

Type	Line of Credit
Amount	Amount Recorded

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4522 WHARF RD, SOQUEL, CA 95073-2132
Document Number	0000001974
Instrument Date	Jan 13, 2017
Transaction Type	Mortgage
Record Updated	Jan 31, 2017
Title Company	STEWART TITLE, STEWART TITLE/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4522 WHARF RD SOQUEL CA 950732132, SOQUEL, CA 95073-2132

Mortgage

Document Number	0000001974
Date	Jan 18, 2017
Instrument	1974

Lender

Name	JANET ROMANOWSKI
Address	2170 41ST AVE, CAPITOLA, CA 95010-2060

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$1,082,000 (+2%) Land $649,200 Building $432,800
2025	$13,688.00 (+9.74%) Homeowner's exemption	$1,060,783 (+4.04%) Land $636,470 Building $424,313
2023	$12,473.00 (+1.24%) Homeowner's exemption	$1,019,592 Land $611,755 Building $407,837	$966,960
2022	$12,320.00

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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