Santa Cruz County property record for 2826 Loraine Ln, Soquel, CA 95073
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,168 sqft · built 1977 |
| Lot Size | 0.281 acres (12,240 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,050,000 (Dec 2015) |
| Tax Bill | $15,836 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit Mar 2018 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 037-202-03 |
| Primary APN | 037-202-03 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 9 Rooms |
| Building Area | 2,168 sqft Living Area |
| Gross Area | 2,828 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 2015 |
| Construction Type | Wood |
| Roof Material | Tile |
| Lot Area | 12,240 sqft (0.281 acres) |
| Garage Type | Attached |
| Garage Area | 660 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 186 sqft |
| Patio Area | 186 sqft |
| Heating System | HVAC |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 2826 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 Subdivision | PM16 44 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 122005 |
Source: Santa Cruz County records · APN 037-202-03
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 2826 LORAINE LN, SOQUEL, CA 95073-2841 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 06, 2023 | Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CU |
| Mar 19, 2018 | Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CU |
| Feb 02, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NOVA FINANCIAL & INVESTMENT CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 02, 2015 · Amount on Record |
| Deed Sale | Dec 02, 2015 · Amount on Record |
| Prior Sale | Feb 24, 2015 · Amount on Record |
| Deed Document Number | 201547754 |
| Last Transfer Date | Jan 31, 2024 |
| Transfer Doc | 0000005842 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 2826 LORAINE LN, SOQUEL, CA 95073-2841 |
| Transaction Type | Mortgage |
| Record Updated | Apr 19, 2023 |
| Title Company | FIRST INTEGRITY TITLE |
| Name | Verified Name |
|---|---|
| Address | 2826 LORAINE LN, SOQUEL, CA 95073-2841 |
| Document Number | 0000006000 |
|---|---|
| Date | Apr 06, 2023 |
| Instrument | 2023-0006000 |
| Name | QUORUM FEDERAL CU |
|---|---|
| Type | Credit Union |
| Address | PURCHASE, NY 10577 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 2826 LORAINE LN, SOQUEL, CA 95073-2841 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Title Company | ISGN |
| Name | Verified Name |
|---|
| Document Number | 0000008060 |
|---|---|
| Date | Mar 19, 2018 |
| Instrument | 2018-0008060 |
| Name | QUORUM FEDERAL CU |
|---|---|
| Type | Credit Union |
| Address | PURCHASE, NY 10577 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 18, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 2826 LORAINE LN, SOQUEL, CA 95073-2841 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 2826 LORAINE LN, SOQUEL, CA 95073-2841 |
| Document Number | 0000005890 |
|---|---|
| Date | Feb 02, 2021 |
| Instrument | 2021-0005890 |
| Name | NOVA FINANCIAL & INVESTMENT CORP |
|---|---|
| Type | Funding / Finance Company |
| Address | TUCSON, AZ 85711 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 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 | $1,267,847 (+2%) Land $905,605 Building $362,242 | ||
| 2025 | $15,836.00 (+9.55%) | $1,242,987 (+4.04%) Land $887,848 Building $355,139 | |
| 2023 | $14,456.00 (+1.16%) | $1,194,721 Land $853,372 Building $341,349 | $1,257,030 |
| 2022 | $14,290.00 |
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 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 |
| 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 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) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
May also be available: AT&T, Cruzio Internet, Etheric Communications, LLC., Surfnet Communications, T-Mobile USA, Verizon, Xfinity.
Based on FCC filings for 333 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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