109 Playa Blvd, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 109 Playa Blvd, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,131 sqft · built 1948
Lot Size	0.304 acres (13,242 sqft)
Owner	2 Trust Names on File
Last Sale	$1,285,000 (Feb 2019)
Tax Bill	$20,250 (2025)
Deeds & Mortgages	Jan 2018 Mortgage Sep 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`045-132-02`

Property Details

APN / Parcel Number

Primary APN	`045-132-02`
Alternative APN	`045-132-02-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	3,131 sqft Living Area
Gross Area	3,354 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 2000
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	13,242 sqft (0.304 acres)
Garage Type	Attached
Garage Area	223 sqft
Parking Spaces	2 Parking Spaces
Deck Area	412 sqft
Patio Area	412 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	109 PLAYA BLVD
City	WATSONVILLE
State	CA
Zip	95076-1733
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Subdivision	LA SELVA BEACH 01
Legal Lot Number	54
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	3
Census Block	3021
Census Tract	122300

Owner

109 Playa Blvd is held in a trust since February 2019.

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

Owner of Record	2 Trust Names on File
Mailing Address	1235 PARK AVE, SAN JOSE, CA 95126-2809
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Jan 4, 2018	Deed of Trust, Mortgage · Conventional Mortgage RECOVCO MORTGAGE MANAGEMENT LLC
Sep 12, 2018	Deed of Trust, Mortgage · ARM FREMONT BANK
Jan 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
Feb 28, 2019	Grant Deed, Transfer · Conventional Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2019 · Amount on File
Deed Sale	Feb 28, 2019 · Amount on File
Prior Sale	Jul 31, 2007 · Amount on File
Deed Document Number	20195234
Prior Transfer Date	Oct 3, 2006
Prior Transfer Doc	0000059436
Record Updated	Sep 20, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	109 PLAYA BLVD, WATSONVILLE, CA 95076-1733
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE GUA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000370
Date	Jan 4, 2018
Instrument	2018-0000370

Lender

Name	RECOVCO MORTGAGE MANAGEMENT LLC
Type	Non-Lending Institution
Address	IRVING, TX 75038

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2048

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	109 PLAYA BLVD, WATSONVILLE, CA 95076-1733
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027956
Date	Sep 12, 2018
Instrument	2018-0027956

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Oct 1, 2023
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	9.75%
Index	1-Year LIBOR
Max Rate	9.75%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	109 PLAYA BLVD, WATSONVILLE, CA 95076-1733
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FATCO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002239
Date	Jan 21, 2020
Instrument	2020-0002239

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company
Address	LEWISVILLE, TX 75057

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2049

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 28, 2019
Property Address	109 PLAYA BLVD, WATSONVILLE, CA 95076-1733
Document Number	0000005234
Map Reference	MB 26 PG 2
Instrument Date	Feb 25, 2019
Instrument	2019-0005234
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
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	Joint Tenants
Address	1007 N 3RD ST, SAN JOSE, CA 95112-4936

Mortgage

Document Number	0000005235
Date	Feb 28, 2019
Instrument	2019-0005235

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 109 Playa Blvd was $20,250.

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		$1,713,367 (+2%) Land $1,096,583 Building $616,784
2025	$20,250.00	$1,679,772 Land $1,075,082 Building $604,690
2023	$16,715.00 (+10.59%)	$1,500,878 Land $1,033,334 Building $467,544	$1,365,120
2022	$15,114.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 109 Playa Blvd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1998.

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	4 in force
Nearby Flood Claims	2 (1998)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Apr 1998 · Severe Winter Storms And Flooding
Claims by Event	Severe Winter Storms And Flooding, Apr 1998 · 2 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

Wildfire risk around 109 Playa Blvd is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · lower than 80% of California
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	SOQUEL CREEK WATER DISTRICT serves 40,962 people · EPA ID CA4410017
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
Lead	2 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 429 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
Xfinity Cable	1,200 / 35
Razzolink Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Cruzio, Etheric Networks, GeoLinks.

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