3605 N Main St, Soquel, CA 95073 Property Records

Santa Cruz County property record for 3605 N Main St, Soquel, CA 95073

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,800 sqft · built 1956
Lot Size	0.382 acres (16,640 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Nov 2011)
Tax Bill	$7,434 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Jan 2021 Transfer
Flood Zone	Zone AE (high risk)
APN	`030-261-04`

Property Details

APN / Parcel Number

Primary APN	`030-261-04`
Alternative APN	`030-261-04-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	1,800 sqft Living Area
Gross Area	2,196 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1980
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	16,640 sqft (0.382 acres)
Garage Type	Attached
Garage Area	396 sqft
Parking Spaces	1 Parking Space
Deck Area	136 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	3605 N MAIN ST
City	SOQUEL
State	CA
Zip	95073-2532
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10
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	3605 N MAIN ST, SOQUEL, CA 95073-2532
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage MOUNTAIN WEST FINANCIAL INC
Jan 14, 2021	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2011 · Amount on Record
Deed Sale	Nov 15, 2011 · Amount on Record
Deed Document Number	201147147
Prior Transfer Date	Aug 1, 2007
Prior Transfer Doc	0000050923
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3605 N MAIN ST, SOQUEL, CA 95073-2532
Transaction Type	Mortgage
Record Updated	Feb 9, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3605 N MAIN ST, SOQUEL, CA 95073-2532

Mortgage

Document Number	0000004067
Date	Jan 25, 2021
Instrument	2021-0004067

Lender

Name	MOUNTAIN WEST FINANCIAL INC
Type	Mortgage Company
Address	REDLANDS, CA 92374

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 14, 2021
Property Address	3605 N MAIN ST, SOQUEL, CA 95073-2532
Document Number	0000002273
Instrument Date	Jan 13, 2021
Instrument	2273
Transaction Type	Transfer
Record Updated	Feb 3, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	3605 N MAIN ST SOQUEL CA 950732532, SOQUEL, CA 95073-2532

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		$621,101 (+2%) Land $358,730 Building $262,371
2025	$7,434.00 (+31.32%) Homeowner's exemption	$608,923 (+26.09%) Land $351,696 Building $257,227
2023	$5,661.00 (+0.96%) Homeowner's exemption	$482,914 Land $338,040 Building $144,874	$733,140
2022	$5,607.00

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	No
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	0.01% 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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