Santa Cruz County property record for 3786 Cindy Ln, Soquel, CA 95073 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,612 sqft · built 1966 |
| Lot Size | 0.143 acres (6,229 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $965,000 (Feb 2018) |
| Tax Bill | $14,111 (2025) |
| Deeds & Mortgages | May 2021 Line of Credit Aug 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 102-221-26 |
| Primary APN | 102-221-26 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,612 sqft Living Area |
| Gross Area | 2,152 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Construction Type | Wood |
| Roof Type | Sawtooth |
| Roof Material | Composition Shingle |
| Lot Area | 6,229 sqft (0.143 acres) |
| Garage Type | Attached |
| Garage Area | 540 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3786 CINDY LN |
|---|---|
| City | SOQUEL |
| State | CA |
| Zip | 95073-2301 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | VALLEY VIEW SUB TR #445 |
| Legal Lot Number | 2 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | SANTA CRUZ |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 121100 |
Source: Santa Cruz County records · APN 102-221-26
Assessment roll updated August 19, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 3786 CINDY LN, SOQUEL, CA 95073-2301 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| May 28, 2021 | Deed of Trust, Mortgage · Line of Credit BAY FCU |
| Aug 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION |
| Nov 19, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA |
| Feb 14, 2018 | Grant Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 14, 2018 · Amount on Record |
| Deed Sale | Feb 14, 2018 · Amount on Record |
| Prior Sale | Jul 31, 1996 · Amount on Record |
| Deed Document Number | 20184538 |
| Prior Transfer Date | Feb 27, 2013 |
| Prior Transfer Doc | 0000010387 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 3786 CINDY LN, SOQUEL, CA 95073-2301 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 3786 CINDY LN, SOQUEL, CA 95073-2301 |
| Document Number | 0000029981 |
|---|---|
| Date | May 28, 2021 |
| Instrument | 2021-0029981 |
| Name | BAY FCU |
|---|---|
| Type | Credit Union |
| Address | CAPITOLA, CA 95010 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 302 Months |
| Due | Jul 15, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 3786 CINDY LN, SOQUEL, CA 95073-2301 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | ORANGE COAST TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000032074 |
|---|---|
| Date | Aug 21, 2020 |
| Instrument | 2020-0032074 |
| Name | OWNING CORPORATION |
|---|---|
| Type | Non-Lending Institution |
| Address | ORANGE, CA 92868 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 3786 CINDY LN, SOQUEL, CA 95073-2301 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | STEWART TITLE OF CA INC |
| Name | Verified Name |
|---|
| Document Number | 0000035898 |
|---|---|
| Date | Nov 19, 2019 |
| Instrument | 2019-0035898 |
| Name | MUFG UNION BANK NA |
|---|---|
| Type | Bank |
| Address | SAN DIEGO, CA 92121 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Feb 14, 2018 |
| Property Address | 3786 CINDY LN, SOQUEL, CA 95073-2301 |
| Document Number | 0000004538 |
| Map Reference | MB 43 PG 49 |
| Instrument Date | Feb 02, 2018 |
| Instrument | 2018-0004538 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | STEWART TITLE OF CALIFORNIA |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 3786 CINDY LN, SOQUEL, CA 95073-2301 |
| Document Number | 0000004539 |
|---|---|
| Date | Feb 14, 2018 |
| Instrument | 2018-0004539 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2048 |
Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026
| 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) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,119,965 (+2%) Land $839,974 Building $279,991 | ||
| 2025 | $14,111.00 (+9.71%) Homeowner's exemption | $1,098,005 (+4.04%) Land $823,504 Building $274,501 | |
| 2023 | $12,862.00 (+1.23%) Homeowner's exemption | $1,055,368 Land $791,526 Building $263,842 | $1,119,510 |
| 2022 | $12,706.00 |
Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Low above 20% of the US · above 11% of California |
|---|---|
| Wildfire Likelihood | About 1 in 4,348 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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