Santa Cruz County property record for 4540 Soquel Wharf Rd, Soquel, CA 95073
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,228 sqft · built 1955 |
| Lot Size | 0.37 acres (16,117 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $794,000 (Feb 2016) |
| Tax Bill | $13,145 (2025) |
| Deeds & Mortgages | Feb 2024 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 030-211-24 |
| Primary APN | 030-211-24 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Building Area | 2,228 sqft Living Area |
| Gross Area | 2,508 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 16,117 sqft (0.37 acres) |
| Garage Type | Attached |
| Garage Area | 280 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | Spa / Hot Tub (No Pool) |
| Deck Area | 723 sqft |
| Patio Area | 723 sqft |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Floor/Wall Furnace |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 4540 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 | RODEO RHO |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 122005 |
4540 Soquel Wharf Rd is owned and occupied by two individuals who bought it in February 2016.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4540 SOQUEL WHARF RD, SOQUEL, CA 95073 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
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 Sale | Feb 11, 2016 · Amount on File |
| Deed Sale | Feb 11, 2016 · Amount on File |
| Prior Sale | May 7, 2013 · Amount on File |
| Deed Document Number | 20164873 |
| Prior Transfer Date | Feb 26, 1997 |
| Prior Transfer Doc | 0000017367 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 4540 WHARF RD, SOQUEL, CA 95073-2132 |
| Transaction Type | Mortgage |
| Record Updated | Feb 28, 2024 |
| Title Company | CHICAGO TITLE-COC, CHICAGO TITLE COM |
| Name | Verified Name |
|---|---|
| Address | 4540 WHARF RD, SOQUEL, CA 95073-2132 |
| Investor | Possibly a Property Investor |
| Document Number | 0000002813 |
|---|---|
| Date | Feb 14, 2024 |
| Instrument | 2024-0002813 |
| Name | STAR ONE CU |
|---|---|
| Type | Credit Union |
| Address | SUNNYVALE, CA 94088 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 302 Months |
| Due | Apr 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 4540 Soquel Wharf Rd was $13,145 with a homeowner's exemption.
Source: Santa Cruz County assessment roll, as of August 19, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $958,734 (+2%) Land $575,240 Building $383,494 | ||
| 2025 | $13,145.00 Homeowner's exemption | $939,935 Land $563,961 Building $375,974 | |
| 2023 | $12,009.00 (+1.55%) | $903,437 Land $542,062 Building $361,375 | $959,220 |
| 2022 | $11,826.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4540 Soquel Wharf Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 File 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 |
|
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 risk around 4540 Soquel 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 | Indirect within 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 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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