Santa Cruz County property record for 102 Arroyo Dr, Watsonville, CA 95076
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,078 sqft · built 1972 |
| Lot Size | 0.165 acres (7,187 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,935 (2025) |
| Deeds & Mortgages | Mar 2022 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-533-06 |
| Primary APN | 051-533-06 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,078 sqft Living Area |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 7,187 sqft (0.165 acres) |
| Sewer | Municipal |
|---|---|
| Water Source | Commercial |
| Street Address | 102 ARROYO DR |
|---|---|
| City | WATSONVILLE |
| State | CA |
| Zip | 95076-0904 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-6 |
| Legal Description | TR 556 |
| Legal Subdivision | MESA VILLAGE UN #5 TR #556 |
| Legal Tract | 556 |
| Legal Lot Number | 135 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | WATSONVILLE |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 122500 |
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 | 102 ARROYO DR, WATSONVILLE, CA 95076-0904 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 102 ARROYO DR, WATSONVILLE, CA 95076-0904 |
| Transaction Type | Mortgage |
| Record Updated | Apr 6, 2022 |
| Title Company | FIDELITY NATIONAL LS, FIDELITY NATIONAL T |
| Name | Verified Name |
|---|---|
| Address | 102 ARROYO DR, WATSONVILLE, CA 95076-0904 |
| Document Number | 0000009341 |
|---|---|
| Date | Mar 22, 2022 |
| Instrument | 2022-0009341 |
| Name | LEADER ONE FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Address | OVERLAND PARK, KS 66210 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.99% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | May 1, 2022 |
| Change Frequency | Monthly |
| Index | 1-Year CMT |
| Max Rate | 8.9% |
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $57,138 (+2%) Land $12,306 Building $44,832 | ||
| 2025 | $1,935.00 (+7.2%) Homeowner's exemption | $56,017 (+4.04%) Land $12,064 Building $43,953 | |
| 2023 | $1,805.00 (+5.62%) Homeowner's exemption | $53,842 Land $11,596 Building $42,246 | $553,770 |
| 2022 | $1,709.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Nearby Flood Claims | 42 (1982–2023) |
| Claims Outside the SFHA | 3 of 42 |
| Most Recent Claim | Mar 2023 · Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF WATSONVILLE serves 65,231 people · EPA ID CA4410011 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2023 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 254 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 |
| Etheric Networks Fixed Wireless | 250 / 100 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Verizon.
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