4392 Lucy Way, Soquel, CA 95073 Property Records

Santa Cruz County property record for 4392 Lucy Way, Soquel, CA 95073 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,510 sqft · built 1988
Lot Size	0.138 acres (6,011 sqft)
Owner	Trust Name on File
Last Sale	$1,159,000 (Aug 2019)
Tax Bill	$16,036 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jun 2020 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`102-181-34`

Property Details

APN / Parcel Number

Primary APN	`102-181-34`
Alternative APN	`102-181-34-000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	2,510 sqft Living Area
Gross Area	2,910 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Construction Type	Wood
Roof Material	Tile
Lot Area	6,011 sqft (0.138 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	256 sqft
Patio Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4392 LUCY WAY
City	SOQUEL
State	CA
Zip	95073-2300
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR 1220
Legal Subdivision	MORRIS ESTATES TR 1220
Legal Tract	1220
Legal Lot Number	7
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 · APN 102-181-34

Assessment roll updated August 19, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Trust Name on File
Mailing Address	4392 LUCY WAY, SOQUEL, CA 95073-2300
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Jun 12, 2020	Intrafamily Transfer, Transfer
Aug 13, 2019	Grant Deed, Transfer · Conventional Mortgage ON Q FINANCIAL INC
Nov 15, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 13, 2019 · Amount on Record
Deed Sale	Aug 13, 2019 · Amount on Record
Deed Document Number	201923216
Last Transfer Date	May 21, 2020
Transfer Doc	0000020583
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4392 LUCY WAY, SOQUEL, CA 95073-2300
Transaction Type	Mortgage
Record Updated	Nov 11, 2021
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4392 LUCY WAY, SOQUEL, CA 95073-2300

Mortgage

Document Number	0000053307
Date	Oct 25, 2021
Instrument	2021-0053307

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2051

June 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 12, 2020
Property Address	4392 LUCY WAY, SOQUEL, CA 95073-2300
Document Number	0000020583
Map Reference	VOL 78 PG 16
Instrument Date	May 21, 2020
Instrument	2020-0020583
Transaction Type	Transfer
Record Updated	Aug 17, 2021

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	Family Trust
Address	4392 LUCY WAY, SOQUEL, CA 95073-2300

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 13, 2019
Property Address	4392 LUCY WAY, SOQUEL, CA 95073-2300
Document Number	0000023216
Map Reference	VOL 78 PG 16
Instrument Date	Jul 31, 2019
Instrument	2019-0023216
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	4392 LUCY WAY, SOQUEL, CA 95073-2300

Mortgage

Document Number	0000023217
Date	Aug 13, 2019
Instrument	2019-0023217

Lender

Name	ON Q FINANCIAL INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2049

Mortgage

Document Number	0000023218
Date	Aug 13, 2019
Instrument	2019-0023218

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 23, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 15, 2017
Property Address	4392 LUCY WAY, SOQUEL, CA 95073-2300
Document Number	0000038342
Map Reference	VOL78 PG16
Instrument Date	Nov 07, 2017
Instrument	2017-0038342
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	STEWART TITLE OF CA INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4392 LUCY WAY, SOQUEL, CA 95073-2300

Mortgage

Document Number	0000038343
Date	Nov 15, 2017
Instrument	2017-0038343

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2047

Tax Assessment & Valuation

Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,292,887 (+2%) Land $711,088 Building $581,799
2025	$16,036.00 (+9.56%) Homeowner's exemption	$1,267,536 (+4.04%) Land $697,145 Building $570,391
2023	$14,637.00 (+1.06%) Homeowner's exemption	$1,218,316 Land $670,074 Building $548,242	$1,353,780
2022	$14,484.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060871211002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 11% of California
Wildfire Likelihood	About 1 in 3,704 per year
Exposure	Indirect within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 330 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
Verizon	Fixed Wireless	300 / 20
Surfnet Communications	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20

May also be available at this address: Cruzio Internet, Etheric Communications, LLC.. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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