2489 Orchard Ct, Soquel, CA 95073 Property Records

Santa Cruz County property record for 2489 Orchard Ct, Soquel, CA 95073

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,497 sqft · built 1979
Lot Size	0.179 acres (7,797 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,052 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Apr 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`030-301-03`

Property Details

APN / Parcel Number

Primary APN	`030-301-03`
Alternative APN	`030-301-03-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,497 sqft Living Area

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	7,797 sqft (0.179 acres)

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2489 ORCHARD CT
City	SOQUEL
State	CA
Zip	95073-2663
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Description	TR 783
Legal Subdivision	ORCHARD COURT
Legal Tract	783
Legal Lot Number	3
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1034
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	2 Individual Names on Record
Mailing Address	2489 ORCHARD CT, SOQUEL, CA 95073-2663
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 2, 2024	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Aug 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage EVERETT FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 12, 2004
Transfer Doc	0000081920
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 4, 2026
Property Address	2489 ORCHARD CT, SOQUEL, CA 95073-2663
Document Number	0000017475
Instrument Date	Jul 30, 2026
Instrument	202617475
Transaction Type	Mortgage
Record Updated	Aug 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner, 167
Address	2489 ORCHARD CT, SOQUEL, CA 95073-2663
Investor	Possibly a Property Investor

Mortgage

Document Number	0000017475,
Date	Aug 4, 2026
Instrument	202617475

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.43%
Initial Type	Fixed Rate
Max Rate	-1%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	2489 ORCHARD CT, SOQUEL, CA 95073-2663
Transaction Type	Mortgage
Record Updated	May 2, 2024
Title Company	TITLE CONNECTION, TITLE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2489 ORCHARD CT, SOQUEL, CA 95073-2663

Mortgage

Document Number	0000006037
Date	Apr 2, 2024
Instrument	2024-0006037

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2054

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	2489 ORCHARD CT, SOQUEL, CA 95073-2663
Transaction Type	Mortgage
Record Updated	Sep 7, 2021
Title Company	PREMIUM TITLE INC, PREMIUM TITLE OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2489 ORCHARD CT, SOQUEL, CA 95073-2663

Mortgage

Document Number	0000043121
Date	Aug 18, 2021
Instrument	2021-0043121

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company
Address	DALLAS, TX 75254

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

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		$306,291 (+2%) Land $129,445 Building $176,846
2025	$5,052.00 (+11.94%) Homeowner's exemption	$300,286 (+4.04%) Land $126,907 Building $173,379
2023	$4,513.00 (+2.2%) Homeowner's exemption	$288,625 Land $121,979 Building $166,646	$849,870
2022	$4,416.00

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 in force

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 757 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Surfnet Communications Fixed Wireless	100 / 20

May also be available: AT&T, Cruzio, T-Mobile, Xfinity.

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