FIRSTAMERICAN 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
4207 TOPSAIL CT, SOQUEL, CA 95073-2160
Mortgage
Document Number
0000001692
Date
Jan 26, 2026
Instrument
2026-0001692
Lender
Name
OCMBC INC
Type
Mortgage Company
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
361 Months
Due
Feb 1, 2056
November 2023: Grant Deed, Transfer
Document Type
Grant Deed
Jurisdiction
SANTA CRUZ CA
Recording Date
Nov 21, 2023
Property Address
4207 TOPSAIL CT, SOQUEL, CA 95073-2160
Document Number
0000022558
Map Reference
VOL 67 PG 61
Instrument Date
Nov 17, 2023
Instrument
2023-0022558
Transaction Type
Transfer
Record Updated
Dec 7, 2023
Title Company
OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY
Transaction
Amount
Amount on Record
Downpayment
Downpayment on Record
Loan-to-Value (LTV)
LTV on Record
Tax
$770.00
Amount Accuracy
Rounded by County
Additional
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Joint Tenants
Address
4207 TOPSAIL CT, SOQUEL, CA 95073-2160
Mortgage
Document Number
0000022559
Date
Nov 21, 2023
Instrument
2023-0022559
Lender
Name
SUCCESS LENDING LLC
Type
Mortgage Company
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
361 Months
Due
Dec 1, 2053
June 2020: Grant Deed, Transfer
Document Type
Grant Deed
Jurisdiction
SANTA CRUZ CA
Recording Date
Jun 9, 2020
Property Address
4207 TOPSAIL CT, SOQUEL, CA 95073-2160
Document Number
0000019831
Instrument Date
May 19, 2020
Instrument
19831
Transaction Type
Transfer
Record Updated
Jun 24, 2020
Title Company
FIRST AMERICAN TITLE
Transaction
Amount
Amount on Record
Downpayment
Downpayment on Record
Loan-to-Value (LTV)
LTV on Record
Tax
$571.00
Amount Accuracy
Full Value
Additional
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
240 CRESCENT CT SCOTTS VALLEY CA 950662815, SCOTTS VALLEY, CA 95066-2815
Mortgage
Document Number
19832
Date
Jun 9, 2020
Instrument
19832
Lender
Name
BAY EQUITY
Type
Funding / Finance Company
Address
CORTE MADERA, CA 94925
Agreement
Type
Conventional with PMI
Amount
Amount on Record
Term
360 Months
Due
Jun 8, 2050
Tax Assessment & Valuation
The 2025 property tax bill for 4207 Topsail Ct was $9,576.
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
$728,280 (+2%)Land $546,210Building $182,070
2025
$9,576.00Homeowner's exemption
$714,000Land $535,500Building $178,500
2023
$7,238.00 (+1.49%)
$545,562Land $327,337Building $218,225
$595,350
2022
$7,132.00
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Flood
FEMA maps place 4207 Topsail Ct in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2016.
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 File 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
Wildfire risk around 4207 Topsail Ct is low, with a 0.01% 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
0.01% annual chance
Exposure
Indirect within 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 517 locations within half a mile, as of December 31, 2025
Provider
Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area
5,000 / 5,000
Xfinity Cable
2,000 / 250
Verizon Fixed Wireless
300 / 20
Surfnet Communications Fixed Wireless
100 / 20
May also be available: Cruzio, Kwikbit, Spectrum, T-Mobile.