3906 Terra Ln, Soquel, CA 95073 Property Records

Santa Cruz County property record for 3906 Terra Ln, Soquel, CA 95073

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,630 sqft · built 1983
Lot Size	0.139 acres (6,055 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,073 (2025)
Deeds & Mortgages	Dec 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`102-401-18`

Property Details

APN / Parcel Number

Primary APN	`102-401-18`
Alternative APN	`102-401-18-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,630 sqft Living Area
Gross Area	2,058 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	6,055 sqft (0.139 acres)
Garage Type	Attached
Garage Area	428 sqft
Parking Spaces	2 Parking Spaces
Deck Area	198 sqft
Patio Area	198 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3906 TERRA LN
City	SOQUEL
State	CA
Zip	95073-2341
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Description	TR 731
Legal Subdivision	731 EVERGREEN ESTATES
Legal Tract	731
Legal Lot Number	18
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2012
Census Tract	121100

Owner

Source: Santa Cruz County records · APN 102-401-18

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	3906 TERRA LN, SOQUEL, CA 95073-2341
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	3906 TERRA LN, SOQUEL, CA 95073-2341
Document Number	0000001448
Instrument Date	Dec 01, 2017
Transaction Type	Mortgage
Record Updated	Aug 30, 2018
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3906 TERRA LN SOQUEL CA 950732341, SOQUEL, CA 95073-2341

Mortgage

Document Number	0000001448
Date	Jan 17, 2018
Instrument	1448

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 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

Assessed value is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2026		$397,975 (+2%) Land $183,510 Building $214,465
2025	$6,073.00 (+11.37%) Homeowner's exemption	$390,171 (+4.04%) Land $179,911 Building $210,260
2023	$5,453.00 (+1.93%) Homeowner's exemption	$375,021 Land $172,925 Building $202,096
2022	$5,350.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 10, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Surfnet Communications Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Cruzio Internet, Etheric Communications, LLC..

Based on FCC filings for 330 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SOQUEL CREEK WATER DISTRICT serves 40,962 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.