2805 Center St, Soquel, CA 95073 Property Records

Santa Cruz County property record for 2805 Center St, Soquel, CA 95073

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,646 sqft · built 1991
Lot Size	0.135 acres (5,881 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,900,000 (May 2025)
Tax Bill	$14,983 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Feb 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`030-161-06`

Property Details

APN / Parcel Number

Primary APN	`030-161-06`
Alternative APN	`030-161-06-000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	2,646 sqft Living Area

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2015
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	5,881 sqft (0.135 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	72 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2805 CENTER ST
City	SOQUEL
State	CA
Zip	95073-2403
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-3
Legal Description	BLK B LOT 12
Legal Subdivision	HIHNS ADD
Legal Block	B
Legal Lot Number	12
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2000
Census Tract	122005

Owner

Source: Santa Cruz County records, as of August 24, 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	22405 RANCHO VENTURA ST, A, CUPERTINO, CA 95014-2786
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NYS
Feb 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Feb 20, 2020	Deed of Trust, Mortgage · Line of Credit TCF NATIONAL BANK
Feb 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Oct 9, 2018	Grant Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2025 · Amount on Record
Deed Sale	May 23, 2025 · Amount on Record
Prior Sale	Oct 9, 2018 · Amount on Record
Deed Document Number	202510737
Prior Transfer Date	Oct 10, 2012
Prior Transfer Doc	0000051699
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 20, 2026
Property Address	2805 CENTER ST, SOQUEL, CA 95073-2403
Document Number	0000008583
Instrument Date	Apr 13, 2026
Instrument	20268583
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE CONNECTION, TITLE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property, 149
Address	2805 CENTER ST, SOQUEL, CA 95073-2403

Mortgage

Document Number	0000008583,
Date	Apr 20, 2026
Instrument	20268583

Lender

Name	CITIBANK NYS

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	2805 CENTER ST, SOQUEL, CA 95073-2403
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005979
Date	Feb 20, 2020
Instrument	2020-0005979

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	SAN JOSE, CA 95110

Agreement

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

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	2805 CENTER ST, SOQUEL, CA 95073-2403
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005980
Date	Feb 20, 2020
Instrument	2020-0005980

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 23, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	2805 CENTER ST, SOQUEL, CA 95073-2403
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	CORNERSTONE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2805 CENTER ST, SOQUEL, CA 95073-2403

Mortgage

Document Number	0000010013
Date	Feb 17, 2021
Instrument	2021-0010013

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

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

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 9, 2018
Property Address	2805 CENTER ST, SOQUEL, CA 95073-2403
Document Number	0000030500
Instrument Date	Sep 18, 2018
Instrument	2018-0030500
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	OLD REPUBLIC 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	2805 CENTER ST, SOQUEL, CA 95073-2403

Mortgage

Document Number	0000030501
Date	Oct 9, 2018
Instrument	2018-0030501

Lender

Name	AMERICAN PACIFIC MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Mortgage

Document Number	0000030502
Date	Oct 9, 2018
Instrument	2018-0030502

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 23, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$1,938,000 (+64.96%) Land $1,317,840 Building $620,160
2025	$14,983.00 (+7.22%)	$1,174,839 (+11.24%) Land $549,393 Building $625,446
2024	$13,974.00 (+8.58%)
2023	$12,870.00 (+1.22%) Homeowner's exemption	$1,056,120 Land $528,060 Building $528,060	$1,034,010
2022	$12,715.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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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