104 Elm St, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 104 Elm St, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,013 sqft · built 1905
Lot Size	0.127 acres (5,532 sqft)
Owner	Individual Name on File
Last Sale	$850,000 (May 2024)
Tax Bill	$11,122 (2025)
Deeds & Mortgages	Aug 2018 Transfer Dec 2017 Transfer + 1 more
Flood Zone	Zone AH (high risk)
APN	`017-192-01`

Property Details

APN / Parcel Number

Primary APN	`017-192-01`
Alternative APN	`017-192-01-000`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Building Area	2,013 sqft Living Area

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1949
Architectural Style	Duplex Single
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	5,532 sqft (0.127 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	122 UNION ST
City	WATSONVILLE
State	CA
Zip	95076-5008
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2004
Census Tract	110301

Owner

104 Elm St is owned by an individual who bought it in May 2024.

Source: Santa Cruz County records, as of August 19, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 1318, WATSONVILLE, CA 95077-1318
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2018	Quit Claim Deed, Transfer Quitclaim
Dec 14, 2017	Intrafamily Transfer, Transfer OLD REPUBLIC TITLE COMPANY
Dec 14, 2017	Grant Deed, Transfer OLD REPUBLIC TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 30, 2024 · Amount on File
Deed Sale	May 30, 2024 · Amount on File
Prior Sale	Dec 14, 2017 · Amount on File
Deed Document Number	202410204
Prior Transfer Date	Jul 21, 1994
Prior Transfer Doc	0000054322
Record Updated	Oct 29, 2026

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 23, 2018
Property Address	122 UNION ST, WATSONVILLE, CA 95076-5008
Document Number	0000025920
Instrument Date	Aug 20, 2018
Instrument	25920
Transaction Type	Transfer
Record Updated	Sep 7, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	104 ELM ST WATSONVILLE CA 950765068, WATSONVILLE, CA 95076-5068

December 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 14, 2017
Property Address	122 UNION ST, WATSONVILLE, CA 95076-5008
Document Number	0000042388
Instrument Date	Dec 6, 2017
Instrument	2017-0042388
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 ELM ST, WATSONVILLE, CA 95076-5068

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 14, 2017
Property Address	122 UNION ST, WATSONVILLE, CA 95076-5008
Document Number	0000042387
Instrument Date	Nov 30, 2017
Instrument	42387
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Tax	$354.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 ELM ST WATSONVILLE CA 950765068, WATSONVILLE, CA 95076-5068

Tax Assessment & Valuation

The 2025 property tax bill for 104 Elm St was $11,122.

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
2026		$858,330 (+2%) Land $702,270 Building $156,060
2025	$11,122.00	$841,500 Land $688,500 Building $153,000
2023	$1,020.00 (+2.72%)	$43,858 Land $18,266 Building $25,592
2022	$993.00

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

FEMA maps place 104 Elm St in Zone AH, 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 AH high risk · shallow ponding 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 105 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	109 units insured incl. 4 condo units
Nearby Flood Claims	7 (2022–2023)
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 7 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

The area around 104 Elm St has no burnable land within ember reach, so its wildfire risk is not rated.

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

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

May also be available: Etheric Networks, Verizon.

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