3630 Hardin Way, Soquel, CA 95073 Property Records

Santa Cruz County property record for 3630 Hardin Way, Soquel, CA 95073

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,174 sqft · built 1980
Lot Size	0.225 acres (9,801 sqft)
Owner	Individual Name on File
Last Sale	$1,550,000 (Feb 2022)
Tax Bill	$20,400 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Mar 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`037-034-11`

Property Details

APN / Parcel Number

Primary APN	`037-034-11`
Alternative APN	`037-034-11-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	2,174 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	9,801 sqft (0.225 acres)
Terrain	Steep
Deck Area	837 sqft
Patio Area	837 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3630 HARDIN WAY
City	SOQUEL
State	CA
Zip	95073-2749
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Subdivision	MONTEREY BAY HEIGHTS SUB #1
Legal Lot Number	34
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2001
Census Tract	122001

Owner

3630 Hardin Way is owned and occupied by an individual who bought it in February 2022.

Source: Santa Cruz County records, as of August 19, 2026

Owner of Record	Individual Name on File
Mailing Address	3630 HARDIN WAY, SOQUEL, CA 95073-2749
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Deed of Trust, Mortgage · Line of Credit GUARANTEED RATE AFFINITY LLC
Mar 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Feb 23, 2022	Grant Deed, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY
Nov 14, 2017	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Oct 23, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 27, 2018	Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSN ADMN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 23, 2022 · Amount on File
Deed Sale	Feb 23, 2022 · Amount on File
Prior Sale	Jul 20, 2012 · Amount on File
Deed Document Number	20226015
Prior Transfer Date	Dec 1, 1993
Prior Transfer Doc	0000000026
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 29, 2026
Property Address	3630 HARDIN WAY, SOQUEL, CA 95073-2749
Document Number	0000014677
Instrument Date	Jun 18, 2026
Instrument	202614677
Transaction Type	Mortgage
Record Updated	Jul 14, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3630 HARDIN WAY, SOQUEL, CA 95073-2749

Mortgage

Document Number	0000014677,
Date	Jun 29, 2026
Instrument	202614677

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 29, 2056

Interest

Rate	6.51%
Max Rate	-1%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3630 HARDIN WAY, SOQUEL, CA 95073-2749
Transaction Type	Mortgage
Record Updated	Apr 6, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3630 HARDIN WAY, SOQUEL, CA 95073-2749

Mortgage

Document Number	0000009119
Date	Mar 21, 2022
Instrument	2022-0009119

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

February 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 23, 2022
Property Address	3630 HARDIN WAY, SOQUEL, CA 95073-2749
Document Number	0000006015
Map Reference	MB 25 PG 7
Instrument Date	Feb 14, 2022
Instrument	2022-0006015
Transaction Type	Transfer
Record Updated	Mar 8, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$1,705.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3630 HARDIN WAY, SOQUEL, CA 95073-2749

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3630 HARDIN WAY, SOQUEL, CA 95073-2749
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038323
Date	Nov 14, 2017
Instrument	2017-0038323

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Nov 30, 2047

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 23, 2020
Property Address	3630 HARDIN WAY, SOQUEL, CA 95073-2749
Document Number	0000043513
Map Reference	MB 25 PG 7
Instrument Date	Oct 19, 2020
Instrument	2020-0043513
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	3630 HARDIN WAY, SOQUEL, CA 95073-2749

Mortgage

Document Number	0000043514
Date	Oct 23, 2020
Instrument	2020-0043514

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3630 HARDIN WAY, SOQUEL, CA 95073-2749
Document Number	0000014625
Instrument Date	Apr 27, 2018
Transaction Type	Mortgage
Record Updated	Jun 1, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3630 HARDIN WAY SOQUEL CA 950732749, SOQUEL, CA 95073-2749

Mortgage

Document Number	0000014625
Date	May 15, 2018
Instrument	14625

Lender

Name	US SMALL BUSN ADMN
Address	FORT WORTH, TX 76155-2243

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 3630 Hardin Way was $20,400.

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		$1,677,770 (+2%) Land $1,174,439 Building $503,331
2025	$20,400.00	$1,644,873 Land $1,151,411 Building $493,462
2023	$18,662.00 (+150.43%)	$1,581,000 Land $1,106,700 Building $474,300	$1,444,950
2022	$7,452.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3630 Hardin Way in Zone X, an area of minimal flood risk.

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	4 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

Wildfire risk around 3630 Hardin Way is low, with a 0.02% annual chance of 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	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Cruzio, Etheric Networks, Verizon.

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