3403 Chardonnay Rd, Soquel, CA 95073 Property Records

Santa Cruz County property record for 3403 Chardonnay Rd, Soquel, CA 95073

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 5,152 sqft · built 1980
Lot Size	5.17 acres (225,423 sqft)
Owner	2 Individual Names on Record
Last Sale	$975,500 (Oct 2003)
Tax Bill	$17,708 (2025)
Deeds & Mortgages	Feb 2019 Mortgage Feb 2019 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`102-311-12`

Property Details

APN / Parcel Number

Primary APN	`102-311-12`
Alternative APN	`102-311-12-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	5,152 sqft Living Area
Gross Area	5,872 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	225,423 sqft
View / Lot	Ocean
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Deck Area	921 sqft
Patio Area	921 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	3403 CHARDONNAY RD
City	SOQUEL
State	CA
Zip	95073-9743
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Subdivision	NORMAN HORATIO ANGELL
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2005
Census Tract	121100

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	715 SAN JUAN AVE, SANTA CRUZ, CA 95065-1342
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Feb 25, 2019	Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB
Oct 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Dec 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BK
Oct 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage OPES ADVISORS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2003 · Amount on Record
Deed Sale	Oct 24, 2003 · Amount on Record
Prior Sale	Jul 30, 1999 · Amount on Record
Deed Document Number	2003108436
Prior Transfer Date	Mar 21, 2002
Prior Transfer Doc	0000022280
Record Updated	Sep 20, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3403 CHARDONNAY RD, SOQUEL, CA 95073-9743
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004742
Date	Feb 25, 2019
Instrument	2019-0004742

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3403 CHARDONNAY RD, SOQUEL, CA 95073-9743
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004743
Date	Feb 25, 2019
Instrument	2019-0004743

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3403 CHARDONNAY RD, SOQUEL, CA 95073-9743
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031446
Date	Oct 11, 2019
Instrument	2019-0031446

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3403 CHARDONNAY RD, SOQUEL, CA 95073-9743
Document Number	0000040692
Instrument Date	Dec 9, 2019
Transaction Type	Mortgage
Record Updated	Jan 17, 2020
Title Company	OLD REPUBLIC TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3600 CHARDONNAY RD SOQUEL CA 950739743, SOQUEL, CA 95073-9743

Mortgage

Document Number	0000040692
Date	Dec 23, 2019
Instrument	40692

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 22, 2034

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3403 CHARDONNAY RD, SOQUEL, CA 95073-9743
Document Number	0000031447
Instrument Date	Oct 4, 2019
Transaction Type	Mortgage
Record Updated	Oct 24, 2019
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	3403 CHARDONNAY RD SOQUEL CA 950739743, SOQUEL, CA 95073-9743

Mortgage

Document Number	0000031447
Date	Oct 11, 2019
Instrument	31447

Lender

Name	OPES ADVISORS
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 10, 2049

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		$1,544,396 (+2%) Land $935,548 Building $608,848
2025	$17,708.00 (+9%) Homeowner's exemption	$1,514,114 (+4.04%) Land $917,204 Building $596,910
2023	$16,246.00 (+0.81%) Homeowner's exemption	$1,455,318 Land $881,588 Building $573,730	$1,812,240
2022	$16,116.00

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	3 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	Moderate above 51% of the US · lower than 69% of California
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Cruzio, Etheric Networks.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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