4382 Ranchero Dr, Soquel, CA 95073 Property Records

Santa Cruz County property record for 4382 Ranchero Dr, Soquel, CA 95073

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,566 sqft · built 1972
Lot Size	0.39 acres (16,988 sqft)
Owner	Individual Name on Record
Last Sale	$1,279,000 (Oct 2017)
Tax Bill	$18,168 (2025)
Deeds & Mortgages	Mar 2024 Second Mortgage Feb 2023 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`102-213-24`

Property Details

APN / Parcel Number

Primary APN	`102-213-24`
Alternative APN	`102-213-24-000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Building Area	2,566 sqft Living Area
Gross Area	3,039 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	16,988 sqft (0.39 acres)
Garage Type	Attached
Garage Area	473 sqft
Parking Spaces	2 Parking Spaces
Deck Area	216 sqft
Patio Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4382 RANCHERO DR
City	SOQUEL
State	CA
Zip	95073-2319
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Subdivision	SOQUEL HIGHLANDS UN 02 TRACT434
Legal Lot Number	84
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2005
Census Tract	121100

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	4282 RANCHERO DR, SOQUEL, CA 95073
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Feb 3, 2023	Intrafamily Transfer, Transfer
Jul 1, 2022	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Sep 7, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Jan 12, 2021	Intrafamily Transfer, Transfer AMROCK
Oct 30, 2017	Grant Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2017 · Amount on Record
Deed Sale	Oct 30, 2017 · Amount on Record
Prior Sale	Aug 8, 2001
Deed Document Number	201736320
Last Transfer Date	Jan 9, 2023
Transfer Doc	0000001927
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4382 RANCHERO DR, SOQUEL, CA 95073-2319
Transaction Type	Mortgage
Record Updated	Mar 20, 2024
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4382 RANCHERO DR, SOQUEL, CA 95073-2319

Mortgage

Document Number	0000004210
Date	Mar 6, 2024
Instrument	2024-0004210

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2044

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 3, 2023
Property Address	4382 RANCHERO DR, SOQUEL, CA 95073-2319
Document Number	0000001927
Map Reference	VOL 42 PG 34
Instrument Date	Jan 9, 2023
Instrument	2023-0001927
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Address	4282 RANCHERO DRIVE, SOQUEL, CA 95073

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4382 RANCHERO DR, SOQUEL, CA 95073-2319
Transaction Type	Mortgage
Record Updated	Jul 13, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4382 RANCHERO DR, SOQUEL, CA 95073-2319

Mortgage

Document Number	0000019641
Date	Jul 1, 2022
Instrument	2022-0019641

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 30, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 7, 2021
Property Address	4382 RANCHERO DR, SOQUEL, CA 95073-2319
Document Number	0000046003
Map Reference	VOL 42 PG 34
Instrument Date	Aug 31, 2021
Instrument	2021-0046003
Transaction Type	Transfer
Record Updated	Sep 23, 2021
Title Company	OLD REPUBLIC 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
Address	4382 RANCHERO DR, SOQUEL, CA 95073-2319

Mortgage

Document Number	0000046004
Date	Sep 7, 2021
Instrument	2021-0046004

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

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

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 12, 2021
Property Address	4382 RANCHERO DR, SOQUEL, CA 95073-2319
Document Number	0000001776
Map Reference	VOL 42 PG 34
Instrument Date	Sep 14, 2020
Instrument	2021-0001776
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	AMROCK

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
Address	4382 RANCHERO DR, SOQUEL, CA 95073-2319

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 30, 2017
Property Address	4382 RANCHERO DR, SOQUEL, CA 95073-2319
Document Number	0000036320
Instrument Date	Oct 19, 2017
Instrument	36320
Transaction Type	Transfer
Record Updated	Nov 29, 2017
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$1,406.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	4382 RANCHERO DR SOQUEL CA 950732319, SOQUEL, CA 95073-2319

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		$1,484,389 (+2%) Land $1,113,292 Building $371,097
2025	$18,168.00 (+9.43%) Homeowner's exemption	$1,455,284 (+4.04%) Land $1,091,463 Building $363,821
2023	$16,602.00 (+7.25%) Homeowner's exemption	$1,398,773 Land $1,049,080 Building $349,693	$1,332,810
2022	$15,479.00

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 in force

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 62% of the US · lower than 77% of California
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Cruzio, Surfnet Communications, Verizon.

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