4660 Wharf Rd, Soquel, CA 95073 Property Records

Santa Cruz County property record for 4660 Wharf Rd, Soquel, CA 95073

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 600 sqft · built 1948
Lot Size	0.154 acres (6,708 sqft)
Owner	Individual Name on Record
Last Sale	$701,000 (Mar 2021)
Tax Bill	$10,338 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Apr 2020 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`030-211-20`

Property Details

APN / Parcel Number

Primary APN	`030-211-20`
Alternative APN	`030-211-20-000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	600 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 2000
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,708 sqft (0.154 acres)
Terrain	Steep
Deck Area	240 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4660 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
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	4660 WHARF RD, SOQUEL, CA 95073-2134
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2021	Grant Deed, Transfer · Conventional Mortgage EXCEL MORGAGE SERVICES
Apr 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION
May 16, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Nov 6, 2017	Grant Deed, Transfer · Conventional with PMI HIGHTECHLENDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 4, 2021 · Amount on Record
Deed Sale	Mar 4, 2021 · Amount on Record
Prior Sale	Nov 6, 2017 · Amount on Record
Deed Document Number	202113320
Prior Transfer Date	May 2, 2001
Prior Transfer Doc	0000027555
Record Updated	Sep 20, 2026

March 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 4, 2021
Property Address	4660 WHARF RD, SOQUEL, CA 95073-2134
Document Number	0000013320
Instrument Date	Feb 25, 2021
Instrument	2021-0013320
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN 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
Address	4660 WHARF RD, SOQUEL, CA 95073-2134

Mortgage

Document Number	0000013321
Date	Mar 4, 2021
Instrument	2021-0013321

Lender

Name	EXCEL MORGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4660 WHARF RD, SOQUEL, CA 95073-2134
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013021
Date	Apr 16, 2020
Instrument	2020-0013021

Lender

Name	OWNING CORPORATION
Type	Non-Lending Institution
Address	ORANGE, CA 92868

Agreement

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

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4660 WHARF RD, SOQUEL, CA 95073-2134
Document Number	0000013649
Instrument Date	May 16, 2019
Transaction Type	Mortgage
Record Updated	Jun 6, 2019
Title Company	AMROCK TITLE CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4660 WHARF RD SOQUEL CA 950732134, SOQUEL, CA 95073-2134

Mortgage

Document Number	0000013649
Date	May 21, 2019
Instrument	13649

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 20, 2049

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 6, 2017
Property Address	4660 WHARF RD, SOQUEL, CA 95073-2134
Document Number	0000037345
Instrument Date	Nov 2, 2017
Instrument	37345
Transaction Type	Transfer
Record Updated	Dec 1, 2017
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$570.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4660 WHARF RD SOQUEL CA 950732134, SOQUEL, CA 95073-2134

Mortgage

Document Number	37346
Date	Nov 6, 2017
Instrument	37346

Lender

Name	HIGHTECHLENDING
Address	CITRUS HEIGHTS, CA 95610

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 5, 2047

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		$773,961 (+2%) Land $619,169 Building $154,792
2025	$10,338.00 (+10.12%)	$758,785 (+4.04%) Land $607,028 Building $151,757
2023	$9,388.00 (+1.4%)	$729,320 Land $583,456 Building $145,864	$696,420
2022	$9,258.00

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	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	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	None beyond 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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