101 Lilly Way, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 101 Lilly Way, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,171 sqft · built 1972
Lot Size	0.251 acres (10,934 sqft)
Owner	Individual Name on Record
Last Sale	$3,400,000 (Jun 2024)
Tax Bill	$41,156 (2025)
Deeds & Mortgages	Jan 2026 Mortgage May 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`046-081-33`

Property Details

APN / Parcel Number

Primary APN	`046-081-33`
Alternative APN	`046-081-33-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	3,171 sqft Living Area
Gross Area	3,723 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	10,934 sqft (0.251 acres)
View / Lot	Ocean
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Deck Area	455 sqft
Patio Area	455 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	101 LILLY WAY
City	WATSONVILLE
State	CA
Zip	95076-1914
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Subdivision	A046 08
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2002
Census Tract	122300

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	Individual Name on Record
Mailing Address	101 LILLY WAY, WATSONVILLE, CA 95076-1914
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
May 17, 2023	Deed of Trust, Mortgage · Loan Assumption CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2024 · Amount on Record
Deed Sale	Jun 12, 2024 · Amount on Record
Deed Document Number	202410959
Prior Transfer Date	Jun 10, 2024
Prior Transfer Doc	0000010960
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	101 LILLY WAY, WATSONVILLE, CA 95076-1914
Transaction Type	Mortgage
Record Updated	Feb 6, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 LILLY WAY, WATSONVILLE, CA 95076-1914

Mortgage

Document Number	0000001394
Date	Jan 22, 2026
Instrument	2026-0001394

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	101 LILLY WAY, WATSONVILLE, CA 95076-1914
Transaction Type	Mortgage
Record Updated	Jun 1, 2023
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 LILLY WAY, CORRALITOS, CA 95076-1914

Mortgage

Document Number	0000008682
Date	May 17, 2023
Instrument	2023-0008682

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	COSTA MESA, CA 92626

Agreement

Type	Loan Assumption
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	7.47%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2023
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	12.4%

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		$3,537,360 (+2%) Land $3,225,240 Building $312,120
2025	$41,156.00 (+2,050.26%)	$3,468,000 (+2,333.99%) Land $3,162,000 Building $306,000
2023	$1,914.00 (+2.24%) Homeowner's exemption	$142,482 Land $47,130 Building $95,352	$1,923,030
2022	$1,872.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	7 (1978–2010)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Apr 2010 · other causes

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 94% of the US · lower than 96% of California
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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	SAN ANDREAS MUTUAL WATER CO private · serves 392 people · EPA ID CA4400558
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	2 ppb (2022–2024) 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Razzolink Fixed Wireless	500 / 250

May also be available: AT&T, Cruzio, GeoLinks.

Cell Coverage

5G (outdoors only) and 4G LTE

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