4225 Topsail Ct, Soquel, CA 95073 Property Records

Santa Cruz County property record for 4225 Topsail Ct, Soquel, CA 95073

Property Summary

Property Type	Condominium
Details	3 bd · 1.5 ba · 1,155 sqft · built 1981
Lot Size	0.012 acres (523 sqft)
Owner	2 Individual Names on Record
Last Sale	$715,000 (Apr 2026)
Tax Bill	$10,409 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Feb 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`030-194-15`

Property Details

APN / Parcel Number

Primary APN	`030-194-15`
Alternative APN	`030-194-15-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	1,155 sqft Living Area

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2010
Architectural Style	Condo/Apartment
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	523 sqft (0.012 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	4225 TOPSAIL CT
City	SOQUEL
State	CA
Zip	95073-2165
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RM-3
Legal Description	TRACT 891 BLK 15 UNIT 3 LOT 3
Legal Subdivision	SOQUEL KNOLLS TR 891
Legal Tract	891
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	2 Individual Names on Record
Mailing Address	4225 TOPSAIL CT, SOQUEL, CA 95073-2165
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2026	Grant Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 20, 2024	Grant Deed, Transfer · Conventional Mortgage ORIGINPOINT LLC
Dec 10, 2019	Quit Claim Deed OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2026 · Amount on Record
Deed Sale	Apr 21, 2026 · Amount on Record
Prior Sale	Feb 20, 2024 · Amount on Record
Deed Document Number	20268813
Transfer Doc	0000095284
Record Updated	Oct 29, 2026

April 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 21, 2026
Property Address	4225 TOPSAIL CT, SOQUEL, CA 95073-2165
Document Number	0000008813
Instrument Date	Mar 31, 2026
Instrument	20268813
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$79,436.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4225 TOPSAIL CT, SOQUEL, CA 95073-2165

Mortgage

Document Number	0000008814,
Date	Apr 21, 2026
Instrument	20268814

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

February 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 20, 2024
Property Address	4225 TOPSAIL CT, SOQUEL, CA 95073-2165
Document Number	0000003047
Map Reference	VOL 67 PG 61
Instrument Date	Feb 18, 2024
Instrument	2024-0003047
Transaction Type	Transfer
Record Updated	Mar 6, 2024
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	$841.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	4225 TOPSAIL CT, SOQUEL, CA 95073-2165

Mortgage

Document Number	0000003048
Date	Feb 20, 2024
Instrument	2024-0003048

Lender

Name	ORIGINPOINT LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

December 2019: Quit Claim Deed

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 10, 2019
Property Address	4225 TOPSAIL CT, SOQUEL, CA 95073-2165
Document Number	0000038944
Instrument Date	Dec 4, 2019
Instrument	38944
Record Updated	Jan 2, 2020
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	405 LOMA AVE CAPITOLA CA 950103702, CAPITOLA, CA 95010-3702

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		$795,908 (+2%) Land $557,136 Building $238,772
2025	$10,409.00 (+126.97%)	$780,304 (+169.3%) Land $546,212 Building $234,092
2024	$4,586.00 (+2.99%)
2023	$4,453.00 (+1.99%)	$289,748 Land $144,874 Building $144,874	$483,750
2022	$4,366.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	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.

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