10 Rancho Rd, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 10 Rancho Rd, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,903 sqft · built 1932
Lot Size	0.283 acres (12,327 sqft)
Owner	Individual Name on Record
Last Sale	$290,000 (Aug 2011)
Tax Bill	$4,913 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Nov 2021 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`046-141-13`

Property Details

APN / Parcel Number

Primary APN	`046-141-13`
Alternative APN	`046-141-13-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	1,903 sqft Living Area
Gross Area	2,463 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1963
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	12,327 sqft (0.283 acres)
Garage Type	Attached
Garage Area	560 sqft
Deck Area	262 sqft
Patio Area	262 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	10 RANCHO RD
City	WATSONVILLE
State	CA
Zip	95076-9604
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Subdivision	HARKINS RANCH MAP 01
Legal Lot Number	8
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1002
Census Tract	122300

Owner

Source: Santa Cruz County records, as of August 24, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	10 RANCHO RD, WATSONVILLE, CA 95076-9604
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 12, 2021	Intrafamily Transfer, Transfer ATLAS TITLE COMPANY
May 13, 2021	Intrafamily Transfer, Transfer FIRST AMERICAN TITLE INS CO
May 13, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 18, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Feb 7, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 12, 2011 · Amount on Record
Deed Sale	Aug 12, 2011 · Amount on Record
Prior Sale	Feb 1, 2005 · Amount on Record
Deed Document Number	201132350
Last Transfer Date	Oct 19, 2020
Transfer Doc	0000027330
Record Updated	Oct 29, 2026

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 12, 2021
Property Address	10 RANCHO RD, WATSONVILLE, CA 95076-9604
Document Number	0000056180
Map Reference	MAP 1
Instrument Date	Nov 9, 2021
Instrument	2021-0056180
Transaction Type	Transfer
Record Updated	Nov 23, 2021
Title Company	ATLANTIS TITLE COMPANY, ATLAS 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
Address	10 RANCHO RD, WATSONVILLE, CA 95076-9604

Mortgage

Document Number	0000056181
Date	Nov 12, 2021
Instrument	2021-0056181

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2041

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 12, 2021
Property Address	10 RANCHO RD, WATSONVILLE, CA 95076-9604
Document Number	0000056182
Instrument Date	Nov 9, 2021
Instrument	2021-0056182
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATLAS 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	Living Trust
Address	10 RANCHO RD, WATSONVILLE, CA 95076-9604

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	May 13, 2021
Property Address	10 RANCHO RD, WATSONVILLE, CA 95076-9604
Document Number	0000027332
Instrument Date	Oct 19, 2020
Instrument	2021-0027332
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIRST AMERICAN TITLE INS CO

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	Living Trust
Address	10 RANCHO RD, WATSONVILLE, CA 95076-9604

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	May 13, 2021
Property Address	10 RANCHO RD, WATSONVILLE, CA 95076-9604
Document Number	0000027330
Instrument Date	Oct 19, 2020
Instrument	2021-0027330
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

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
Address	10 RANCHO RD, WATSONVILLE, CA 95076-9604

Mortgage

Document Number	0000027331
Date	May 13, 2021
Instrument	2021-0027331

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	234 Months
Due	Nov 1, 2040

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 18, 2019
Property Address	10 RANCHO RD, WATSONVILLE, CA 95076-9604
Document Number	0000006805
Instrument Date	Mar 14, 2019
Instrument	6805
Transaction Type	Transfer
Record Updated	Apr 3, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	10 RANCHO RD WATSONVILLE CA 950769604, WATSONVILLE, CA 95076-9604

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	10 RANCHO RD, WATSONVILLE, CA 95076-9604
Document Number	0000004400
Instrument Date	Feb 7, 2019
Transaction Type	Mortgage
Record Updated	Mar 5, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 RANCHO RD WATSONVILLE CA 950769604, WATSONVILLE, CA 95076-9604

Mortgage

Document Number	0000004400
Date	Feb 21, 2019
Instrument	4400

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Unified School District	Pajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$371,542 (+2%) Land $222,925 Building $148,617
2025	$4,913.00 (+10.5%) Homeowner's exemption	$364,257 (+4.04%) Land $218,554 Building $145,703
2023	$4,446.00 (+2.21%) Homeowner's exemption	$350,112 Land $210,067 Building $140,045	$609,390
2022	$4,350.00

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
Flood Insurance Cost	Premium on Record median of 55 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	474 units insured incl. 419 condo units
Nearby Flood Claims	16 (1983–2023)
Claims Outside the SFHA	3 of 16
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms And Flooding, Mar 1998 · 6 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 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 50% of the US · lower than 70% 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 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Cruzio Fixed Wireless	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250

May also be available: Etheric Networks.

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