Santa Cruz County property record for 103 Cutter Dr, Watsonville, CA 95076
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 3,997 sqft · built 1990 |
| Lot Size | 0.921 acres (40,119 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,525,000 (Nov 2016) |
| Tax Bill | $22,022 (2025) |
| Flood Zone | Zone A (high risk) |
| APN | 051-711-05 |
| Primary APN | 051-711-05 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 10 Rooms |
| Building Area | 3,997 sqft Living Area |
| Gross Area | 5,081 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Construction Type | Wood |
| Roof Material | Tile |
| Lot Area | 40,119 sqft (0.921 acres) |
| Terrain | Steep |
| Garage Type | Attached |
| Garage Area | 1,084 sqft |
| Parking Spaces | 4 Parking Spaces |
| Deck Area | 782 sqft |
| Patio Area | 782 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 103 CUTTER DR |
|---|---|
| City | WATSONVILLE |
| State | CA |
| Zip | 95076-2211 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-10-GH |
| Legal Subdivision | SALSIPUEDES RHO |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | WATSONVILLE |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 122500 |
103 Cutter Dr is owned and occupied by two individuals who bought it in November 2016.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 103 CUTTER DR, WATSONVILLE, CA 95076-2211 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 21, 2016 · Amount on File |
| Deed Sale | Nov 21, 2016 · Amount on File |
| Deed Document Number | 201645867 |
| Prior Transfer Date | Nov 15, 2016 |
| Prior Transfer Doc | 0000045866 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 103 Cutter Dr was $22,022 with a homeowner's exemption.
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 | $1,805,292 (+2%) Land $876,010 Building $929,282 | ||
| 2025 | $22,022.00 Homeowner's exemption | $1,769,894 Land $858,834 Building $911,060 | |
| 2023 | $19,586.00 (+1.8%) Homeowner's exemption | $1,701,166 Land $825,484 Building $875,682 | $1,660,230 |
| 2022 | $19,239.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 103 Cutter Dr in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 63 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 63 in force |
| Nearby Flood Claims | 54 (1995–2023) |
| Most Recent Claim | Mar 2023 · Severe Storm And Flooding |
| 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.
Wildfire risk around 103 Cutter Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% of California |
|---|---|
| Wildfire Likelihood | Under 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 153 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Cruzio Fixed Wireless | 1,000 / 1,000 |
| Razzolink Fixed Wireless | 500 / 250 |
| Etheric Networks Fixed Wireless | 250 / 100 |
May also be available: Verizon.
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