103 Delaney Ave, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 103 Delaney Ave, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,347 sqft · built 2019
Lot Size	0.455 acres (19,820 sqft)
Owner	2 Individual Names on Record
Last Sale	$291,500 (Aug 2008)
Tax Bill	$8,375 (2025)
Deeds & Mortgages	Dec 2018 Construction Loan Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`051-691-04`

Property Details

APN / Parcel Number

Primary APN	`051-691-04`
Alternative APNs	`051-691-04-000` `05105303000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Building Area	3,347 sqft Living Area
Gross Area	4,787 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	19,820 sqft (0.455 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	103 DELANEY AVE
City	WATSONVILLE
State	CA
Zip	95076-1405
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-20
Legal Subdivision	SAINT FRANCIS 63
Legal Lot Number	6
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2003
Census Tract	122500

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	2 Individual Names on Record
Mailing Address	103 DELANEY AVE, WATSONVILLE, CA 95076-1405
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2018	Deed of Trust, Mortgage · Construction Mortgage SANTA CRUZ COUNTY BANK
Dec 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Feb 28, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage BAY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2008 · Amount on Record
Deed Sale	Aug 7, 2008 · Amount on Record
Prior Sale	Jan 26, 2004
Deed Document Number	200833588
Prior Transfer Date	Jun 9, 2004
Prior Transfer Doc	0000042934
Record Updated	Sep 20, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	103 DELANEY AVE, WATSONVILLE, CA 95076-1405
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE OF CALIFORNIA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000035821
Date	Dec 3, 2018
Instrument	2018-0035821

Lender

Name	SANTA CRUZ COUNTY BANK
Type	Bank
Address	SANTA CRUZ, CA 95061

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	103 DELANEY AVE, WATSONVILLE, CA 95076-1405
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000040022
Date	Dec 18, 2019
Instrument	2019-0040022

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

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

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	103 DELANEY AVE, WATSONVILLE, CA 95076-1405
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FATC SALINAS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007036
Date	Feb 28, 2020
Instrument	2020-0007036

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2035

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		$658,924 (+2%) Land $229,735 Building $429,189
2025	$8,375.00 (+13.11%)	$646,003 (+4.04%) Land $225,230 Building $420,773
2023	$7,404.00 (+1.83%)	$620,918 Land $216,484 Building $404,434	$1,118,610
2022	$7,271.00

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 24 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	24 in force
Nearby Flood Claims	28 (1982–2023)
Most Recent Claim	Mar 2023 · Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Mar 2023 · 6 claims Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 10 claims Severe Winter Storms, Flooding, And Mudslides, Feb 2017 · 6 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	Low lower than 63% of the US · lower than 78% of California
Wildfire Likelihood	0.05% 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	ST FRANCIS TRACT WATER SYSTEM private · serves 118 people · EPA ID CA4400557
Water Source	Groundwater
Last State Inspection	May 2025
Lead	Under 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 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cruzio Fixed Wireless	1,000 / 1,000
Spectrum Cable	1,000 / 35
Razzolink Fixed Wireless	500 / 250
Etheric Networks Fixed Wireless	250 / 100

May also be available: Verizon.

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