740 Ponza Ln, Soquel, CA 95073 Property Records

Santa Cruz County property record for 740 Ponza Ln, Soquel, CA 95073

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,794 sqft · built 1989
Lot Size	7.65 acres (333,234 sqft)
Owner	2 Individual Names on Record
Tax Bill	$7,583 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Aug 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`102-461-03`

Property Details

APN / Parcel Number

Primary APN	`102-461-03`
Alternative APN	`102-461-03-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	2,794 sqft Living Area
Gross Area	3,406 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Construction Type	Wood
Roof Material	Tile
Lot Area	333,234 sqft
Terrain	Steep
Garage Type	Attached
Garage Area	612 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	740 PONZA LN
City	SOQUEL
State	CA
Zip	95073-9714
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Subdivision	MADELINE PONZA
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1008
Census Tract	121200

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 Individual Names on Record
Mailing Address	740 PONZA LN, SOQUEL, CA 95073-9714
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Aug 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage MR COOPER
Nov 14, 2017	Quit Claim Deed, Transfer Quitclaim
Sep 19, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 5, 2017
Transfer Doc	0000038289
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	740 PONZA LN, SOQUEL, CA 95073-9714
Transaction Type	Mortgage
Record Updated	Jul 6, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	740 PONZA LN, SOQUEL, CA 95073-9714

Mortgage

Document Number	0000033532
Date	Jun 18, 2021
Instrument	2021-0033532

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

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

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	740 PONZA LN, SOQUEL, CA 95073-9714
Document Number	0000026293
Instrument Date	Aug 28, 2019
Transaction Type	Mortgage
Record Updated	Sep 20, 2019
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	740 PONZA LN SOQUEL CA 950739714, SOQUEL, CA 95073-9714

Mortgage

Document Number	0000026293
Date	Sep 5, 2019
Instrument	26293

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 4, 2049

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 14, 2017
Property Address	740 PONZA LN, SOQUEL, CA 95073-9714
Document Number	0000038289
Instrument Date	Aug 5, 2017
Instrument	38289
Transaction Type	Transfer
Record Updated	Dec 4, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	740 PONZA LN SOQUEL CA 950739714, SOQUEL, CA 95073-9714

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 19, 2017
Property Address	740 PONZA LN, SOQUEL, CA 95073-9714
Document Number	0000031321
Instrument Date	Aug 5, 2017
Instrument	31321
Transaction Type	Transfer
Record Updated	Oct 19, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	740 PONZA LN SOQUEL CA 950739714, SOQUEL, CA 95073-9714

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		$634,882 (+2%) Land $90,294 Building $544,588
2025	$7,583.00 (+9.69%) Homeowner's exemption	$622,433 (+4.04%) Land $88,523 Building $533,910
2023	$6,913.00 (+0.92%) Homeowner's exemption	$598,264 Land $85,086 Building $513,178	$1,483,020
2022	$6,850.00

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	6 in force
Nearby Flood Claims	11 (1982–2023)
Claims Outside the SFHA	3 of 11
Most Recent Claim	Feb 2023 · river or lake flooding
Claims by Event	Coastal Storms, Floods, Slides & Tornadoes, Feb 1983 · 2 claims Severe Storms, Flood, Mudslides & High Tide, Jan 1982 · 2 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	Moderate above 54% of the US · lower than 68% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Cruzio, Etheric Networks, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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