4432 Ranchero Dr, Soquel, CA 95073 Property Records

Santa Cruz County property record for 4432 Ranchero Dr, Soquel, CA 95073

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,677 sqft · built 1965
Lot Size	0.136 acres (5,924 sqft)
Owner	Company Name on Record
Last Sale	$297,000 (Feb 1998)
Tax Bill	$7,027 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Aug 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`102-213-23`

Property Details

APN / Parcel Number

Primary APN	`102-213-23`
Alternative APN	`102-213-23-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,677 sqft Living Area
Gross Area	2,067 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	5,924 sqft (0.136 acres)
Garage Type	Attached
Garage Area	390 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4432 RANCHERO DR
City	SOQUEL
State	CA
Zip	95073-2321
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Description	TRACT 434 LOT 78
Legal Subdivision	SOQUEL HLNDS UN #2 TR #434
Legal Tract	434
Legal Lot Number	78
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	Company Name on Record
Mailing Address	4432 RANCHERO DR, SOQUEL, CA 95073-2321
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Aug 7, 2020	Intrafamily Transfer, Transfer · Line of Credit BAY FCU
Aug 10, 2020	Quit Claim Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 23, 1998 · Amount on Record
Deed Sale	Feb 23, 1998 · Amount on Record
Deed Document Number	19988730
Last Transfer Date	Jul 31, 2020
Transfer Doc	0000030121
Record Updated	Sep 20, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4432 RANCHERO DR, SOQUEL, CA 95073-2321
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008547
Date	Mar 11, 2020
Instrument	2020-0008547

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

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

August 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 7, 2020
Property Address	4432 RANCHERO DR, SOQUEL, CA 95073-2321
Document Number	0000029960
Map Reference	VOL 42 PG 34
Instrument Date	Jul 31, 2020
Instrument	2020-0029960
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN 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
Relationship	Joint Tenants
Address	4432 RANCHERO DR, SOQUEL, CA 95073-2321

Mortgage

Document Number	0000029961
Date	Aug 7, 2020
Instrument	2020-0029961

Lender

Name	BAY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Sep 15, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 10, 2020
Property Address	4432 RANCHERO DR, SOQUEL, CA 95073-2321
Document Number	0000030121
Instrument Date	Jul 31, 2020
Instrument	30121
Transaction Type	Transfer
Record Updated	Aug 31, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4432 RANCHERO DR SOQUEL CA 950732321, SOQUEL, CA 95073-2321

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		$483,731 (+2%) Land $276,882 Building $206,849
2025	$7,027.00 (+10.96%) Homeowner's exemption	$474,246 (+4.04%) Land $271,453 Building $202,793
2023	$6,333.00 (+1.75%) Homeowner's exemption	$455,830 Land $260,912 Building $194,918	$917,010
2022	$6,224.00

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 66% of the US · lower than 80% of California
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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