4390 Ranchero Dr, Soquel, CA 95073 Property Records

Santa Cruz County property record for 4390 Ranchero Dr, Soquel, CA 95073

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,562 sqft · built 1972
Lot Size	0.167 acres (7,275 sqft)
Owner	2 Company Names on Record
Last Sale	$870,000 (Aug 2016)
Tax Bill	$13,108 (2025)
Deeds & Mortgages	Jan 2026 Transfer Jul 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`102-213-18`

Property Details

APN / Parcel Number

Primary APN	`102-213-18`
Alternative APN	`102-213-18-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,562 sqft Living Area
Gross Area	2,035 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	7,275 sqft (0.167 acres)
Garage Type	Attached
Garage Area	473 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4390 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 HIGHLAND
Legal Lot Number	83
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 Company Names on Record
Mailing Address	1521 VIC RUGH LN, WATSONVILLE, CA 95076-2115
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Jan 16, 2026	Intrafamily Transfer, Transfer
Jul 15, 2021	Deed of Trust, Mortgage · Line of Credit UMPQUA BANK
Feb 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage DATA MORTGAGE INC
Jan 5, 2018	Deed of Trust, Mortgage · Line of Credit US BANK NA
Aug 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2016 · Amount on Record
Deed Sale	Aug 31, 2016 · Amount on Record
Deed Document Number	201632551
Prior Transfer Date	Jan 25, 2010
Prior Transfer Doc	0000003607
Record Updated	Sep 20, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 16, 2026
Property Address	4390 RANCHERO DR, SOQUEL, CA 95073-2319
Document Number	0000001083
Map Reference	VOL 42 PG 34
Instrument Date	Dec 30, 2025
Instrument	2026-0001083
Transaction Type	Transfer
Record Updated	Feb 17, 2026

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	Living Trust
Address	1521 VIC RUGH LN, WATSONVILLE, CA 95076-2115

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4390 RANCHERO DR, SOQUEL, CA 95073-2319
Transaction Type	Mortgage
Record Updated	Jul 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4390 RANCHERO DR, SOQUEL, CA 95073-2319

Mortgage

Document Number	0000037739
Date	Jul 15, 2021
Instrument	2021-0037739

Lender

Name	UMPQUA BANK
Type	Bank
Address	SAN JOSE, CA 95113

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4390 RANCHERO DR, SOQUEL, CA 95073-2319
Transaction Type	Mortgage
Record Updated	Mar 9, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4390 RANCHERO DR, SOQUEL, CA 95073-2319

Mortgage

Document Number	0000011618
Date	Feb 25, 2021
Instrument	2021-0011618

Lender

Name	DATA MORTGAGE INC
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

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

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4390 RANCHERO DR, SOQUEL, CA 95073-2319
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000496
Date	Jan 5, 2018
Instrument	2018-0000496

Lender

Name	US BANK NA
Type	Bank
Address	OSHKOSH, WI 54902

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Dec 5, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4390 RANCHERO DR, SOQUEL, CA 95073-2319
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4390 RANCHERO DR, SOQUEL, CA 95073-2319

Mortgage

Document Number	0000032367
Date	Aug 24, 2020
Instrument	2020-0032367

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

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

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		$1,029,904 (+2%) Land $823,923 Building $205,981
2025	$13,108.00 (+9.8%) Homeowner's exemption	$1,009,710 (+4.04%) Land $807,768 Building $201,942
2023	$11,938.00 (+1.26%) Homeowner's exemption	$970,501 Land $776,401 Building $194,100	$993,420
2022	$11,789.00

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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