112 Arroyo Dr, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 112 Arroyo Dr, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,120 sqft · built 1972
Lot Size	0.167 acres (7,275 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,000 (Sep 2021)
Tax Bill	$9,008 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`051-533-07`

Property Details

APN / Parcel Number

Primary APN	`051-533-07`
Alternative APN	`051-533-07-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,120 sqft Living Area
Gross Area	1,520 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	7,275 sqft (0.167 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	112 ARROYO DR
City	WATSONVILLE
State	CA
Zip	95076-0904
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Description	TR 556
Legal Subdivision	MESA VILLAGE
Legal Tract	556
Legal Lot Number	136
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	3
Census Block	3011
Census Tract	122500

Owner

Source: Santa Cruz County records, as of August 19, 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 Record
Mailing Address	112 ARROYO DR, WATSONVILLE, CA 95076-0904
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2021	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Mar 9, 2017	Grant Deed, Transfer · Conventional with PMI SANTA CRUZ HM FIN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2021 · Amount on Record
Deed Sale	Sep 30, 2021 · Amount on Record
Prior Sale	Mar 9, 2017 · Amount on Record
Deed Document Number	202149752
Prior Transfer Date	Sep 24, 2021
Prior Transfer Doc	0000049752
Record Updated	Oct 29, 2026

September 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 30, 2021
Property Address	112 ARROYO DR, WATSONVILLE, CA 95076-0904
Document Number	0000049752
Map Reference	MB 55 PG 15
Instrument Date	Sep 24, 2021
Instrument	2021-0049752
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$220.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	112 ARROYO DR, WATSONVILLE, CA 95076-0904

Mortgage

Document Number	0000049753
Date	Sep 30, 2021
Instrument	2021-0049753

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 9, 2017
Property Address	112 ARROYO DR, WATSONVILLE, CA 95076-0904
Document Number	0000008305
Instrument Date	Mar 3, 2017
Instrument	8305
Transaction Type	Transfer
Record Updated	Mar 24, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$555.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	112 ARROYO DR WATSONVILLE CA 950760904, WATSONVILLE, CA 95076-0904

Mortgage

Document Number	8306
Date	Mar 9, 2017
Instrument	8306

Lender

Name	SANTA CRUZ HM FIN
Type	Funding / Finance Company
Address	SANTA CRUZ, CA 95062

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 8, 2047

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		$652,911 (+2%) Land $471,390 Building $181,521
2025	$9,008.00 (+13.21%)	$640,109 (+4.04%) Land $462,147 Building $177,962
2023	$7,957.00 (+2.58%)	$615,253 Land $444,201 Building $171,052	$557,820
2022	$7,757.00

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	42 (1982–2023)
Claims Outside the SFHA	3 of 42
Most Recent Claim	Mar 2023 · Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 5 claims Severe Winter Storms, Flooding, And Mudslides, Jan 2017 · 5 claims Severe Winter Storms And Flooding, Feb 1998 · 5 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 80% of the US · lower than 88% of California
Wildfire Likelihood	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.

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

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

May also be available: Verizon.

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