Santa Cruz County property record for 2818 Loraine Ln, Soquel, CA 95073
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,003 sqft · built 1975 |
| Lot Size | 0.281 acres (12,240 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $269,500 (Sep 1996) |
| Tax Bill | $6,517 (2025) |
| Deeds & Mortgages | Nov 2021 Reverse Mortgage Nov 2021 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 037-202-02 |
| Primary APN | 037-202-02 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 2,003 sqft Living Area |
| Gross Area | 2,532 sqft |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Construction Type | Wood |
| Roof Type | Sawtooth |
| Roof Material | Composition Shingle |
| Lot Area | 12,240 sqft (0.281 acres) |
| Garage Type | Attached |
| Garage Area | 529 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
| Deck Area | 474 sqft |
| Patio Area | 474 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 2818 LORAINE LN |
|---|---|
| City | SOQUEL |
| State | CA |
| Zip | 95073-2841 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-9 |
| Legal Description | PARCEL MAPS 2 PG 16 PCL 44 |
| Legal Subdivision | PM16 44 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 122005 |
2818 Loraine Ln is owner-occupied and held in a trust since October 2024.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 2818 LORAINE LN, SOQUEL, CA 95073-2841 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 30, 2021 | Deed of Trust, Mortgage · Reverse Mortgage PHH MORTGAGE SERVICES CORP |
| Nov 30, 2021 | Deed of Trust, Mortgage · Reverse Mortgage PHH MORTGAGE SERVICES CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 24, 1996 · Amount on File |
| Deed Sale | Sep 24, 1996 · Amount on File |
| Deed Document Number | 199653652 |
| Deed Book / Page | 5912 / 269 |
| Last Transfer Date | Oct 10, 2024 |
| Transfer Doc | 0000019972 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 2818 LORAINE LN, SOQUEL, CA 95073-2841 |
| Transaction Type | Mortgage |
| Record Updated | Dec 17, 2021 |
| Title Company | PLACER TITLE COMPANY, PLACER TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 2818 LORAINE LN, SOQUEL, CA 95073-2841 |
| Document Number | 0000058503 |
|---|---|
| Date | Nov 30, 2021 |
| Instrument | 2021-0058503 |
| Name | PHH MORTGAGE SERVICES CORP |
|---|---|
| Type | Mortgage Company |
| Address | RANCHO CORDOVA, CA 95670 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 1.8% |
| Type Change Date | Jan 1, 2022 |
| Change Frequency | Annually |
| Index | 1-Year CMT |
| Max Rate | 6.8% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 2818 LORAINE LN, SOQUEL, CA 95073-2841 |
| Transaction Type | Mortgage |
| Record Updated | Dec 17, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 2818 LORAINE LN, SOQUEL, CA 95073-2841 |
| Document Number | 0000058504 |
|---|---|
| Date | Nov 30, 2021 |
| Instrument | 2021-0058504 |
| Name | PHH MORTGAGE SERVICES CORP |
|---|---|
| Type | Mortgage Company |
| Address | RANCHO CORDOVA, CA 95670 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 1.85% |
| Type Change Date | Jan 1, 2022 |
| Max Rate At Change | 6.8% |
| Index | 1-Year CMT |
The 2025 property tax bill for 2818 Loraine Ln was $6,517 with a homeowner's exemption, up 8.1% from the year before.
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 | $447,718 (+2%) Land $223,859 Building $223,859 | ||
| 2025 | $6,517.00 (+8.15%) | $438,940 Land $219,470 Building $219,470 | |
| 2024 | $6,026.00 (+2.94%) | ||
| 2023 | $5,854.00 (+1.86%) Homeowner's exemption | $421,894 Land $210,947 Building $210,947 | $1,056,420 |
| 2022 | $5,747.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2818 Loraine Ln in Zone X, an area of minimal flood risk.
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 risk around 2818 Loraine Ln 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 |
| Adjoins Burnable Land | Yes |
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 333 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
May also be available: AT&T, Cruzio, Etheric Networks, Surfnet Communications, T-Mobile, Verizon, Xfinity.
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