4445 Esta Ln, Soquel, CA 95073 Property Records

Santa Cruz County property record for 4445 Esta Ln, Soquel, CA 95073

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,818 sqft · built 1990
Lot Size	0.131 acres (5,706 sqft)
Owner	2 Company Names on Record
Last Sale	$1,500,000 (Aug 2025)
Tax Bill	$13,925 (2025)
Deeds & Mortgages	Sep 2022 Transfer Jul 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`030-201-57`

Property Details

APN / Parcel Number

Primary APN	`030-201-57`
Alternative APN	`030-201-57-000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Building Area	2,818 sqft Living Area
Gross Area	3,252 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Construction Type	Wood
Roof Material	Tile
Lot Area	5,706 sqft (0.131 acres)
Garage Type	Attached
Garage Area	434 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4445 ESTA LN
City	SOQUEL
State	CA
Zip	95073-2100
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Description	TRACT 1235 LOT 11
Legal Subdivision	SOQUEL VILLAGE ESTATES TR 1235
Legal Tract	1235
Legal Lot Number	11
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2027
Census Tract	122005

Owner

Source: Santa Cruz County records, as of August 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	4445 ESTA LN, SOQUEL, CA 95073-2100
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2022	Intrafamily Transfer, Transfer
Jul 20, 2021	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST
Apr 27, 2017	Deed of Trust, Mortgage · Line of Credit COMERICA BANK
Oct 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2025 · Amount on Record
Deed Sale	Aug 1, 2025 · Amount on Record
Prior Sale	Apr 17, 2015 · Amount on Record
Deed Document Number	202515965
Prior Transfer Date	Aug 22, 2022
Prior Transfer Doc	0000024987
Record Updated	Sep 20, 2026

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 2, 2022
Property Address	4445 ESTA LN, SOQUEL, CA 95073-2100
Document Number	0000024987
Map Reference	VOL 79 PG 61
Instrument Date	Aug 22, 2022
Instrument	2022-0024987
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
Relationship	Family Trust
Address	4445 ESTA LN, SOQUEL, CA 95073-2100

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4445 ESTA LN, SOQUEL, CA 95073-2100
Transaction Type	Mortgage
Record Updated	Aug 3, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4445 ESTA LN, SOQUEL, CA 95073-2100

Mortgage

Document Number	0000038216
Date	Jul 20, 2021
Instrument	2021-0038216

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4445 ESTA LN, SOQUEL, CA 95073-2100
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013957
Date	Apr 27, 2017
Instrument	2017-0013957

Lender

Name	COMERICA BANK
Type	Bank
Address	DALLAS, TX 75201

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4445 ESTA LN, SOQUEL, CA 95073-2100
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4445 ESTA LN, SOQUEL, CA 95073-2100

Mortgage

Document Number	0000044683
Date	Oct 29, 2020
Instrument	2020-0044683

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company
Address	LEWISVILLE, TX 75057

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Nov 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.87%
Index	1-Year LIBOR
Max Rate	7.87%

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		$1,500,000 (+38.68%) Land $1,050,000 Building $450,000
2025	$13,925.00 (+9.72%) Homeowner's exemption	$1,081,665 (+4.04%) Land $648,999 Building $432,666
2023	$12,691.00 (+1.23%) Homeowner's exemption	$1,039,663 Land $623,798 Building $415,865	$1,318,230
2022	$12,537.00

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 21 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	7 (2016–2023)
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 6 claims

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 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Cruzio, Kwikbit, Spectrum, T-Mobile.

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