3503 N Main St, Soquel, CA 95073 Property Records

Santa Cruz County property record for 3503 N Main St, Soquel, CA 95073

Property Summary

Property Type	Single Family Home
Details	4 bd · 2,326 sqft · built 1995
Lot Size	0.348 acres (15,159 sqft)
Owner	2 Individual Names on Record
Last Sale	$950,000 (Mar 2021)
Tax Bill	$16,349 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`030-281-31`

Property Details

APN / Parcel Number

Primary APN	`030-281-31`
Alternative APN	`030-281-31-000`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Building Area	2,326 sqft Living Area
Gross Area	2,785 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	15,159 sqft (0.348 acres)
Garage Type	Attached
Garage Area	459 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3503 N MAIN ST
City	SOQUEL
State	CA
Zip	95073-2530
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Subdivision	PM49 24
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	2 Individual Names on Record
Mailing Address	3503 N MAIN ST, SOQUEL, CA 95073-2530
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2023	Deed of Trust, Mortgage · Line of Credit JACKSON FLAGSTAR CENTRE OFFICE
Mar 3, 2021	Grant Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2021 · Amount on Record
Deed Sale	Mar 3, 2021 · Amount on Record
Prior Sale	Jun 24, 2005 · Amount on Record
Deed Document Number	202113078
Prior Transfer Date	Oct 6, 2008
Prior Transfer Doc	0000041330
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3503 N MAIN ST, SOQUEL, CA 95073-2530
Transaction Type	Mortgage
Record Updated	Oct 11, 2023
Title Company	BNT TITLE COMPANY/CA, BNT TITLE CO OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3503 N MAIN ST, SOQUEL, CA 95073-2530

Mortgage

Document Number	0000017678
Date	Sep 19, 2023
Instrument	2023-0017678

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 3, 2021
Property Address	3503 N MAIN ST, SOQUEL, CA 95073-2530
Document Number	0000013078
Map Reference	VOL 49 PG 24
Instrument Date	Feb 23, 2021
Instrument	2021-0013078
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIDELITY NATIONAL TITLE CO

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	3503 N MAIN ST, SOQUEL, CA 95073-2530

Mortgage

Document Number	0000013079
Date	Mar 3, 2021
Instrument	2021-0013079

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

Mortgage

Document Number	0000013080
Date	Mar 3, 2021
Instrument	2021-0013080

Lender

Name	PETER J HUNKEL ETUX
Type	Private Party
Address	190 EL PINAR, LA SELVA BEACH, CA 95076

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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		$1,313,856 (+2%) Land $761,816 Building $552,040
2025	$16,349.00 (+9.52%)	$1,288,094 (+4.04%) Land $746,878 Building $541,216
2023	$14,928.00 (+1.15%)	$1,238,076 Land $717,876 Building $520,200	$1,030,680
2022	$14,759.00

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
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	0.01% 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.

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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