4445 Ranchero Dr, Soquel, CA 95073 Property Records

Santa Cruz County property record for 4445 Ranchero Dr, Soquel, CA 95073

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,524 sqft · built 1967
Lot Size	0.141 acres (6,142 sqft)
Owner	2 Company Names on Record
Last Sale	$700,000 (Mar 2018)
Tax Bill	$12,252 (2025)
Deeds & Mortgages	Jul 2018 Line of Credit Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`102-224-11`

Property Details

APN / Parcel Number

Primary APN	`102-224-11`
Alternative APN	`102-224-11-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Building Area	1,524 sqft Living Area
Gross Area	1,914 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	6,142 sqft (0.141 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	4445 RANCHERO DR
City	SOQUEL
State	CA
Zip	95073-2320
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Subdivision	SOQUEL HIGHLANDS
Legal Lot Number	3K
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2014
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	3930 CORNWELL RD, SOQUEL, CA 95073-2334
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 5, 2018	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jul 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Mar 29, 2018	Grant Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2018 · Amount on Record
Deed Sale	Mar 29, 2018 · Amount on Record
Deed Document Number	20189453
Prior Transfer Date	Jul 22, 1999
Prior Transfer Doc	0000050408
Record Updated	Sep 20, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4445 RANCHERO DR, SOQUEL, CA 95073-2320
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOILDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020546
Date	Jul 5, 2018
Instrument	2018-0020546

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jun 16, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4445 RANCHERO DR, SOQUEL, CA 95073-2320
Document Number	0000027530
Instrument Date	Jul 21, 2020
Transaction Type	Mortgage
Record Updated	Aug 5, 2020
Title Company	AMROCK TITLE CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3930 CORNWELL RD SOQUEL CA 950732334, SOQUEL, CA 95073-2334

Mortgage

Document Number	0000027530
Date	Jul 24, 2020
Instrument	27530

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2050

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 29, 2018
Property Address	4445 RANCHERO DR, SOQUEL, CA 95073-2320
Document Number	0000009453
Map Reference	VOL 40 PG 64
Instrument Date	Mar 26, 2018
Instrument	2018-0009453
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIDELITY NATIONAL TITLE COMP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	4445 RANCHERO DR, SOQUEL, CA 95073-2320

Mortgage

Document Number	0000009454
Date	Mar 29, 2018
Instrument	2018-0009454

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

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		$945,878 (+2%) Land $841,425 Building $104,453
2025	$12,252.00 (+9.86%)	$927,331 (+4.04%) Land $824,926 Building $102,405
2023	$11,152.00 (+1.29%)	$891,321 Land $792,893 Building $98,428	$734,310
2022	$11,010.00

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 67% of the US · lower than 81% 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 330 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (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: Cruzio, Etheric Networks.

Cell Coverage

5G (outdoors only) and 4G LTE

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