4206 Topsail Ct, Soquel, CA 95073 Property Records

Santa Cruz County property record for 4206 Topsail Ct, Soquel, CA 95073

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,008 sqft · built 1981
Lot Size	0.017 acres (741 sqft)
Owner	Individual Name on Record
Last Sale	$625,000 (Jul 2021)
Tax Bill	$9,000 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`030-194-28`

Property Details

APN / Parcel Number

Primary APN	`030-194-28`
Alternative APN	`030-194-28-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	741 sqft (0.017 acres)
Garage Type	Carport
Garage Area	196 sqft
Carport	Carport
Carport Area	196 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4206 TOPSAIL CT
City	SOQUEL
State	CA
Zip	95073-2158
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RM-3
Legal Subdivision	SOQUEL KNOLLS
Legal Lot Number	3
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2006
Census Tract	122005

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	4206 TOPSAIL CT, SOQUEL, CA 95073-2158
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2021	Grant Deed, Transfer · Conventional Mortgage PATELCO CU
Oct 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Nov 27, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2021 · Amount on Record
Deed Sale	Jul 7, 2021 · Amount on Record
Prior Sale	Apr 8, 2004 · Amount on Record
Deed Document Number	202136463
Prior Transfer Date	Nov 20, 2019
Prior Transfer Doc	0000037256
Record Updated	Sep 20, 2026

July 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 7, 2021
Property Address	4206 TOPSAIL CT, SOQUEL, CA 95073-2158
Document Number	0000036463
Map Reference	VOL 67 PG 61
Instrument Date	Jul 5, 2021
Instrument	2021-0036463
Transaction Type	Transfer
Record Updated	Jul 21, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$687.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4206 TOPSAIL CT, SOQUEL, CA 95073-2158

Mortgage

Document Number	0000036464
Date	Jul 7, 2021
Instrument	2021-0036464

Lender

Name	PATELCO CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Mortgage

Document Number	0000036465
Date	Jul 7, 2021
Instrument	2021-0036465

Lender

Name	PATELCO CU
Type	Credit Union
Address	DUBLIN, CA 94568

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	302 Months
Due	Sep 1, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4206 TOPSAIL CT, SOQUEL, CA 95073-2158
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11900 EMPIRE GRADE, SANTA CRUZ, CA 95060-9645

Mortgage

Document Number	0000041670
Date	Oct 14, 2020
Instrument	2020-0041670

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

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

November 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 27, 2019
Property Address	4206 TOPSAIL CT, SOQUEL, CA 95073-2158
Document Number	0000037256
Map Reference	VOL 67 PG 61
Instrument Date	Nov 20, 2019
Instrument	2019-0037256
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN 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	Joint Tenants
Address	11900 EMPIRE GRADE, SANTA CRUZ, CA 95060-9645

Mortgage

Document Number	0000037257
Date	Nov 27, 2019
Instrument	2019-0037257

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2034

Tax Assessment & Valuation

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		$676,520 (+2%) Land $473,564 Building $202,956
2025	$9,000.00 (+9.22%) Homeowner's exemption	$663,256 (+4.04%) Land $464,279 Building $198,977
2023	$8,240.00 (+1.4%)	$637,500 Land $446,250 Building $191,250	$607,590
2022	$8,126.00

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

Flood

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
Flood Insurance Cost	Premium on Record median of 21 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	7 (2016–2023)
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 6 claims

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

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	0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Cruzio, GeoLinks, Kwikbit, Spectrum, T-Mobile, Verizon.

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