3500 Paper Mill Rd, Soquel, CA 95073 Property Records

Santa Cruz County property record for 3500 Paper Mill Rd, Soquel, CA 95073

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,928 sqft · built 1964
Lot Size	0.178 acres (7,754 sqft)
Owner	Individual Name on Record
Last Sale	$1,500,000 (Sep 2023)
Tax Bill	$19,016 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Oct 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`030-031-19`

Property Details

APN / Parcel Number

Primary APN	`030-031-19`
Alternative APN	`030-031-19-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	2,928 sqft Living Area
Gross Area	3,390 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 2020
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	7,754 sqft (0.178 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	4 Parking Spaces
Deck Area	576 sqft
Patio Area	576 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3500 PAPER MILL RD
City	SOQUEL
State	CA
Zip	95073-2220
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6-GH
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1034
Census Tract	122001

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	Individual Name on Record
Mailing Address	3500 PAPER MILL RD, SOQUEL, CA 95073-2220
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2023	Grant Deed, Transfer · Conventional Mortgage BAY FCU
Oct 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREMONT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 1, 2023 · Amount on Record
Deed Sale	Sep 1, 2023 · Amount on Record
Prior Sale	Jul 21, 2015 · Amount on Record
Deed Document Number	202316431
Prior Transfer Date	Jul 15, 2015
Prior Transfer Doc	0000029540
Record Updated	Sep 20, 2026

September 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 1, 2023
Property Address	3500 PAPER MILL RD, SOQUEL, CA 95073-2220
Document Number	0000016431
Instrument Date	Aug 22, 2023
Instrument	2023-0016431
Transaction Type	Transfer
Record Updated	Sep 15, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,650.00
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	3500 PAPER MILL RD, SOQUEL, CA 95073-2220

Mortgage

Document Number	0000016432
Date	Sep 1, 2023
Instrument	2023-0016432

Lender

Name	BAY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Type Change Date	Sep 1, 2028
Change Frequency	6 Months
Min Rate At Change	4.37%
Max Rate At Change	8.37%
Max Rate	11.3%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3500 PAPER MILL RD, SOQUEL, CA 95073-2220
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3500 PAPER MILL RD, SOQUEL, CA 95073-2220

Mortgage

Document Number	0000043866
Date	Oct 26, 2020
Instrument	2020-0043866

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

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

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		$1,560,600 (+2%) Land $936,360 Building $624,240
2025	$19,016.00 (+73.31%) Homeowner's exemption	$1,530,000 (+73.51%) Land $918,000 Building $612,000
2023	$10,972.00 (+1.31%) Homeowner's exemption	$881,818 Land $529,090 Building $352,728	$1,311,930
2022	$10,830.00

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 43 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	43 in force
Nearby Flood Claims	25 (1982–2023)
Claims Outside the SFHA	2 of 25
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 11 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 4 claims Severe Storms & Flooding, Feb 1986 · 2 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	0.02% 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.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Cruzio Fixed Wireless	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Surfnet Communications Fixed Wireless	100 / 20

May also be available: AT&T, Etheric Networks.

Cell Coverage

5G (outdoors only) and 4G LTE

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