Santa Cruz County property record for 4640 Wharf Rd, Soquel, CA 95073
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,250 sqft · built 1944 |
| Lot Size | 0.128 acres (5,576 sqft) |
| Owner | Individual Name on File |
| Last Sale | $188,000 (Aug 1997) |
| Tax Bill | $5,046 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit Sep 2019 Line of Credit + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 030-211-18 |
| Primary APN | 030-211-18 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,250 sqft Living Area |
| Gross Area | 1,470 sqft |
| Year Built | Built 1944 |
|---|---|
| Effective Year Built | Effective 1944 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 5,576 sqft (0.128 acres) |
| Garage Type | Attached |
| Garage Area | 220 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 132 sqft |
| Patio Area | 132 sqft |
| Heating System | HVAC |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 4640 WHARF RD |
|---|---|
| City | SOQUEL |
| State | CA |
| Zip | 95073-2134 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-6-GH |
| Legal Description | MAP C5 973 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 122005 |
Source: Santa Cruz County records · APN 030-211-18
Assessment roll updated August 19, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 4640 WHARF RD, SOQUEL, CA 95073-2134 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Aug 29, 2022 | Deed of Trust, Mortgage · Line of Credit FIRST BANK |
| Sep 12, 2019 | Deed of Trust, Mortgage · Line of Credit FIRST BANK |
| Jan 12, 2021 | Quit Claim Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO |
| Jan 12, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 21, 1997 · Amount on Record |
| Deed Sale | Aug 21, 1997 · Amount on Record |
| Deed Document Number | 199737768 |
| Last Transfer Date | Jan 06, 2021 |
| Transfer Doc | 0000001715 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 4640 WHARF RD, SOQUEL, CA 95073-2134 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4640 WHARF RD, SOQUEL, CA 95073-2134 |
| Document Number | 0000024439 |
|---|---|
| Date | Aug 29, 2022 |
| Instrument | 2022-0024439 |
| Name | FIRST BANK |
|---|---|
| Type | Bank |
| Address | 92666 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 4640 WHARF RD, SOQUEL, CA 95073-2134 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | ACCURATE TITLE GROUP |
| Name | Verified Name |
|---|
| Document Number | 0000027280 |
|---|---|
| Date | Sep 12, 2019 |
| Instrument | 2019-0027280 |
| Name | FIRST BANK |
|---|---|
| Type | Bank |
| Address | NEWPORT BEACH, CA 92660 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Jan 12, 2021 |
| Property Address | 4640 WHARF RD, SOQUEL, CA 95073-2134 |
| Document Number | 0000001717 |
| Instrument Date | Jan 06, 2021 |
| Instrument | 1717 |
| Transaction Type | Transfer |
| Record Updated | Feb 03, 2021 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 4640 WHARF RD SOQUEL CA 950732134, SOQUEL, CA 95073-2134 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Jan 12, 2021 |
| Property Address | 4640 WHARF RD, SOQUEL, CA 95073-2134 |
| Document Number | 0000001715 |
| Instrument Date | Jan 06, 2021 |
| Instrument | 2021-0001715 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | CHICAGO TITLE INSURANCE CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4640 WHARF RD, SOQUEL, CA 95073-2134 |
| Document Number | 0000001716 |
|---|---|
| Date | Jan 12, 2021 |
| Instrument | 2021-0001716 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2051 |
Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 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) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $305,707 (+2%) Land $183,426 Building $122,281 | ||
| 2025 | $5,046.00 (+11.96%) Homeowner's exemption | $299,713 (+4.04%) Land $179,830 Building $119,883 | |
| 2023 | $4,507.00 (+2.2%) Homeowner's exemption | $288,075 Land $172,847 Building $115,228 | $710,460 |
| 2022 | $4,410.00 |
Source: FEMA National Flood Hazard Layer as of July 10, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | Yes |
| 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 |
|
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 Internet, Kwikbit Internet, Spectrum, T-Mobile USA.
Based on FCC filings for 517 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SOQUEL CREEK WATER DISTRICT serves 40,962 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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