3652 Hardin Way, Soquel, CA 95073 Property Records

Santa Cruz County property record for 3652 Hardin Way, Soquel, CA 95073

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,780 sqft · built 1973
Lot Size	0.235 acres (10,237 sqft)
Owner	2 Individual Names on File
Last Sale	$927,000 (Jul 2018)
Tax Bill	$13,464 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`037-034-09`

Property Details

APN / Parcel Number

Primary APN	`037-034-09`
Alternative APN	`037-034-09-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Building Area	2,780 sqft Living Area
Gross Area	3,200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	10,237 sqft (0.235 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Deck Area	380 sqft
Patio Area	380 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3652 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 Block	10
Legal Lot Number	32
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2001
Census Tract	122001

Owner

3652 Hardin Way is owned and occupied by two individuals who bought it in July 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	3652 HARDIN WAY, SOQUEL, CA 95073-2749
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Sep 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage ANGEL OAK HOME LOANS LLC
Jul 16, 2018	Grant Deed, Transfer · Conventional Mortgage UNIVERSITY/CA HM LN PROGRAM CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2018 · Amount on File
Deed Sale	Jul 16, 2018 · Amount on File
Prior Sale	Dec 9, 2015 · Amount on File
Deed Document Number	201821535
Prior Transfer Date	Dec 7, 2015
Prior Transfer Doc	0000049153
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3652 HARDIN WAY, SOQUEL, CA 95073-2749
Transaction Type	Mortgage
Record Updated	Oct 12, 2021
Title Company	FIDELITY NATIONAL LS, FIDELITY NATIONAL T

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3652 HARDIN WAY, SOQUEL, CA 95073-2749

Mortgage

Document Number	0000049826
Date	Sep 30, 2021
Instrument	2021-0049826

Lender

Name	ANGEL OAK HOME LOANS LLC
Type	Mortgage Company
Address	ATLANTA, GA 30328

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 16, 2018
Property Address	3652 HARDIN WAY, SOQUEL, CA 95073-2749
Document Number	0000021535
Instrument Date	Jul 9, 2018
Instrument	21535
Transaction Type	Transfer
Record Updated	Aug 8, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,019.70
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3652 HARDIN WAY SOQUEL CA 950732749, SOQUEL, CA 95073-2749

Mortgage

Document Number	21537
Date	Jul 16, 2018
Instrument	21537

Lender

Name	UNIVERSITY/CA HM LN PROGRAM CO
Address	OAKLAND, CA 94607-5200

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 15, 2048

Mortgage

Document Number	21536,
Date	Jul 16, 2018
Instrument	21536

Lender

Name	UNIVERSITY/CA HM LN PROGRAM CO
Address	OAKLAND, CA 94607-5200

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 15, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3652 Hardin Way was $13,464.

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		$1,054,768 (+2%) Land $796,481 Building $258,287
2025	$13,464.00	$1,034,086 Land $780,863 Building $253,223
2023	$12,269.00 (+1.24%)	$993,931 Land $750,541 Building $243,390	$1,039,050
2022	$12,119.00

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

Flood

FEMA maps place 3652 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 3652 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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