110 Cypress Ln, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 110 Cypress Ln, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,512 sqft · built 1965
Lot Size	0.202 acres (8,799 sqft)
Owner	2 Individual Names on File
Last Sale	$709,000 (Feb 2006)
Tax Bill	$11,896 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`050-311-10`

Property Details

APN / Parcel Number

Primary APN	`050-311-10`
Alternative APN	`050-311-10-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,512 sqft Living Area
Gross Area	1,996 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	8,799 sqft (0.202 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	110 CYPRESS LN
City	WATSONVILLE
State	CA
Zip	95076-0710
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-9
Legal Description	TR 289
Legal Subdivision	289 CYPRESS KNOLLS 01
Legal Tract	289
Legal Lot Number	9
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1001
Census Tract	123100

Owner

110 Cypress Ln is owned and occupied by two individuals who acquired it in April 2020.

Source: Santa Cruz County records, as of October 6, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	110 CYPRESS LN, WATSONVILLE, CA 95076-0710
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2026	Deed of Trust, Mortgage · Line of Credit BAY FEDERAL CREDIT UNION
Jul 29, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST MORTGAGE SOLUTIONS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 6, 2006 · Amount on File
Deed Sale	Feb 6, 2006 · Amount on File
Deed Document Number	20067135
Last Transfer Date	Apr 25, 2020
Transfer Doc	0000028393
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 21, 2026
Property Address	110 CYPRESS LN, WATSONVILLE, CA 95076-0710
Document Number	0000021156
Instrument Date	Sep 14, 2026
Instrument	202621156
Transaction Type	Mortgage
Record Updated	Oct 6, 2026
Title Company	REPUBLIC TITLE COMPANY, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	110 CYPRESS LN, WATSONVILLE, CA 95076-0710

Mortgage

Document Number	0000021156,
Date	Sep 21, 2026
Instrument	202621156

Lender

Name	BAY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Oct 15, 2051

Interest

Max Rate	-1%

July 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 29, 2020
Property Address	110 CYPRESS LN, WATSONVILLE, CA 95076-0710
Document Number	0000028393
Map Reference	MB 37 PG 45
Instrument Date	Apr 25, 2020
Instrument	2020-0028393
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	SOLIDIFI

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	110 CYPRESS LN, WATSONVILLE, CA 95076-0710

Mortgage

Document Number	0000028394
Date	Jul 29, 2020
Instrument	2020-0028394

Lender

Name	FIRST MORTGAGE SOLUTIONS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	May 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 110 Cypress Ln was $11,896 with a homeowner's exemption, up 11.4% from the year before.

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		$988,291 (+2%) Land $639,810 Building $348,481
2025	$11,896.00 (+11.35%) Homeowner's exemption	$968,913 Land $627,265 Building $341,648
2024	$10,683.00 (+1.59%)
2023	$10,516.00 (+1.85%) Homeowner's exemption	$931,289 Land $602,908 Building $328,381	$787,770
2022	$10,325.00

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

Flood

FEMA maps place 110 Cypress Ln in Zone X, an area of minimal flood risk.

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
Flood Insurance Cost	Premium on File median of 13 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	13 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

Wildfire risk around 110 Cypress Ln is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · lower than 68% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 144 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.

Nearby Properties on Cypress Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures