4387 Ranchero Dr, Soquel, CA 95073 Property Records

Santa Cruz County property record for 4387 Ranchero Dr, Soquel, CA 95073

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,670 sqft · built 1974
Lot Size	0.242 acres (10,542 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,179,000 (Jan 2017)
Tax Bill	$17,180 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit Oct 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`102-213-15`

Property Details

APN / Parcel Number

Primary APN	`102-213-15`
Alternative APN	`102-213-15-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Building Area	2,670 sqft Living Area
Gross Area	3,398 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	10,542 sqft (0.242 acres)
Garage Type	Attached
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces
Deck Area	212 sqft
Patio Area	212 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4387 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 Description	TRACT 434 LOT 86
Legal Subdivision	SOQUEL HLNDS UN #2 TR #434
Legal Tract	434
Legal Lot Number	86
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	2 Individual Names on Record
Mailing Address	4387 RANCHERO DR, SOQUEL, CA 95073-2319
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Oct 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Aug 30, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA
May 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Jan 6, 2017	Grant Deed, Transfer · Conventional Mortgage SANTA CRUZ HM FIN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 6, 2017 · Amount on Record
Deed Sale	Jan 6, 2017 · Amount on Record
Prior Sale	Jun 13, 2016 · Amount on Record
Deed Document Number	2017587
Prior Transfer Date	Mar 13, 1996
Prior Transfer Doc	0000014874
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4387 RANCHERO DR, SOQUEL, CA 95073-2319
Transaction Type	Mortgage
Record Updated	Feb 8, 2022
Title Company	RADIAN SETTLEMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4387 RANCHERO DR, SOQUEL, CA 95073-2319

Mortgage

Document Number	0000002672
Date	Jan 27, 2022
Instrument	2022-0002672

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 3, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4387 RANCHERO DR, SOQUEL, CA 95073-2319
Transaction Type	Mortgage
Record Updated	Oct 21, 2021
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4387 RANCHERO DR, SOQUEL, CA 95073-2319

Mortgage

Document Number	0000050351
Date	Oct 5, 2021
Instrument	2021-0050351

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4387 RANCHERO DR, SOQUEL, CA 95073-2319
Transaction Type	Mortgage
Record Updated	Sep 23, 2021
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4387 RANCHERO DR, SOQUEL, CA 95073-2319

Mortgage

Document Number	0000044814
Date	Aug 30, 2021
Instrument	2021-0044814

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 4, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4387 RANCHERO DR, SOQUEL, CA 95073-2319
Transaction Type	Mortgage
Record Updated	Jun 11, 2021
Title Company	WESTERN RESOURCES TITLE, WESTERN RESOURCES TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4387 RANCHERO DR, SOQUEL, CA 95073-2319

Mortgage

Document Number	0000029395
Date	May 25, 2021
Instrument	2021-0029395

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

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

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 6, 2017
Property Address	4387 RANCHERO DR, SOQUEL, CA 95073-2319
Document Number	0000000587
Instrument Date	Dec 30, 2016
Instrument	587
Transaction Type	Transfer
Record Updated	Jan 16, 2017
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,296.90
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	4387 RANCHERO DR SOQUEL CA 950732319, SOQUEL, CA 95073-2319

Mortgage

Document Number	588,
Date	Jan 6, 2017
Instrument	588

Lender

Name	SANTA CRUZ HM FIN
Type	Funding / Finance Company
Address	SANTA CRUZ, CA 95062

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 5, 2047

Mortgage

Document Number	589,
Date	Jan 6, 2017
Instrument	589

Lender

Name	SANTA CRUZ HM FIN
Type	Funding / Finance Company
Address	SANTA CRUZ, CA 95062

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 5, 2047

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		$1,395,697 (+2%) Land $1,046,773 Building $348,924
2025	$17,180.00 (+9.48%) Homeowner's exemption	$1,368,331 (+4.04%) Land $1,026,248 Building $342,083
2023	$15,692.00 (+1.13%) Homeowner's exemption	$1,315,197 Land $986,398 Building $328,799	$1,316,520
2022	$15,516.00

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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