3915 Terra Ln, Soquel, CA 95073 Property Records

Santa Cruz County property record for 3915 Terra Ln, Soquel, CA 95073

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,300 sqft · built 1983
Lot Size	0.099 acres (4,312 sqft)
Owner	2 Individual Names on File
Last Sale	$875,000 (Nov 2015)
Tax Bill	$13,405 (2025)
Deeds & Mortgages	Jul 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`102-401-24`

Property Details

APN / Parcel Number

Primary APN	`102-401-24`
Alternative APN	`102-401-24-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	2,300 sqft Living Area
Gross Area	2,806 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	4,312 sqft (0.099 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Deck Area	104 sqft
Patio Area	104 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3915 TERRA LN
City	SOQUEL
State	CA
Zip	95073-2342
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Subdivision	EVERGREEN ESTATES TR #731
Legal Lot Number	24
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 102-401-24

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	3915 TERRA LN, SOQUEL, CA 95073-2342
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 17, 2015 · Amount on Record
Deed Sale	Nov 17, 2015 · Amount on Record
Prior Sale	Nov 30, 2012 · Amount on Record
Deed Document Number	201545939
Prior Transfer Date	Mar 28, 2012
Prior Transfer Doc	0000017065
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 14, 2026
Property Address	3915 TERRA LN, SOQUEL, CA 95073-2342
Document Number	0000015913
Instrument Date	Jul 09, 2026
Instrument	202615913
Transaction Type	Mortgage
Record Updated	Jul 28, 2026
Title Company	REPUBLIC TITLE COMPANY, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3915 TERRA LN, SOQUEL, CA 95073-2342

Mortgage

Document Number	0000015913,
Date	Jul 14, 2026
Instrument	202615913

Lender

Name	BAY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.52%
Initial Type	Fixed Rate
Max Rate	-1%

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 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		$1,056,540 (+2%) Land $739,578 Building $316,962
2025	$13,405.00 (+9.78%) Homeowner's exemption	$1,035,823 (+4.04%) Land $725,076 Building $310,747
2023	$12,211.00 (+1.25%) Homeowner's exemption	$995,601 Land $696,921 Building $298,680	$1,154,520
2022	$12,060.00

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.