1021 Pepper Pl, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 1021 Pepper Pl, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,199 sqft · built 1988
Lot Size	0.113 acres (4,922 sqft)
Owner	Individual Name on Record
Last Sale	$653,000 (Jul 2020)
Tax Bill	$9,047 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`019-204-32`

Property Details

APN / Parcel Number

Primary APN	`019-204-32`
Alternative APN	`019-204-32-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	2,199 sqft Living Area
Gross Area	2,653 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2000
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Wood Shingle
Lot Area	4,922 sqft (0.113 acres)
Garage Type	Attached
Garage Area	454 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1021 PEPPER PL
City	WATSONVILLE
State	CA
Zip	95076-6101
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	ORCHARD HILLS
Legal Lot Number	16
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	3
Census Block	3007
Census Tract	110202

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	1021 PEPPER PL, WATSONVILLE, CA 95076-6101
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 16, 2020	Grant Deed, Transfer · Conventional Mortgage MOUNTAIN WEST FINANCIAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2020 · Amount on Record
Deed Sale	Jul 16, 2020 · Amount on Record
Prior Sale	Feb 15, 2007 · Amount on Record
Deed Document Number	202026045
Prior Transfer Date	Feb 12, 2007
Prior Transfer Doc	0000008734
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1021 PEPPER PL, WATSONVILLE, CA 95076-6101
Transaction Type	Mortgage
Record Updated	Oct 21, 2021
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1021 PEPPER PL, WATSONVILLE, CA 95076-6101

Mortgage

Document Number	0000051186
Date	Oct 8, 2021
Instrument	2021-0051186

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2041

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 16, 2020
Property Address	1021 PEPPER PL, WATSONVILLE, CA 95076-6101
Document Number	0000026045
Map Reference	MB 78 PG 2
Instrument Date	Jul 8, 2020
Instrument	2020-0026045
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

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	1021 PEPPER PL, WATSONVILLE, CA 95076-6101
Investor	Possibly a Property Investor

Mortgage

Document Number	0000026046
Date	Jul 16, 2020
Instrument	2020-0026046

Lender

Name	MOUNTAIN WEST FINANCIAL INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$720,965 (+2%) Land $396,531 Building $324,434
2025	$9,047.00 (+12.92%)	$706,829 (+4.04%) Land $388,756 Building $318,073
2023	$8,012.00 (+1.77%)	$679,382 Land $373,660 Building $305,722	$659,970
2022	$7,873.00

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	8 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	Not rated no burnable land within 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	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

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 638 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Cruzio Fixed Wireless	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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