112 Elm St, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 112 Elm St, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,364 sqft · built 1925
Lot Size	0.136 acres (5,924 sqft)
Owner	2 Individual Names on File
Last Sale	$530,000 (Oct 2021)
Tax Bill	$8,766 (2025)
Deeds & Mortgages	Jun 2022 Transfer Jun 2022 Mortgage + 2 more
Flood Zone	Zone AH (high risk)
APN	`017-192-04`

Property Details

APN / Parcel Number

Primary APN	`017-192-04`
Alternative APN	`017-192-04-000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	7 Rooms
Building Area	2,364 sqft Living Area
Gross Area	2,976 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1980
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	5,924 sqft (0.136 acres)
Garage Type	Attached
Garage Area	612 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	112 ELM ST
City	WATSONVILLE
State	CA
Zip	95076-5068
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

112 Elm St is owned by two individuals who acquired it in June 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 194, APTOS, CA 95001-0194
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
Jun 16, 2022	Intrafamily Transfer, Transfer AMROCK LLC
Jun 16, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 22, 2021	Grant Deed, Transfer FIRST AMERICAN TITLE COMPANY
Nov 5, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2021 · Amount on File
Deed Sale	Oct 22, 2021 · Amount on File
Deed Document Number	202153087
Last Transfer Date	Jun 6, 2022
Transfer Doc	0000018299
Record Updated	Sep 20, 2026

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 16, 2022
Property Address	112 ELM ST, WATSONVILLE, CA 95076-5068
Document Number	0000018301
Map Reference	VOL 148 PG 351
Instrument Date	Jun 8, 2022
Instrument	2022-0018301
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	AMROCK LLC

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	Living Trust
Address	2070 GREEN VALLEY RD, WATSONVILLE, CA 95076-8622

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 16, 2022
Property Address	112 ELM ST, WATSONVILLE, CA 95076-5068
Document Number	0000018299
Map Reference	VOL 148 PG 351
Instrument Date	Jun 6, 2022
Instrument	2022-0018299
Transaction Type	Transfer
Record Updated	Jun 30, 2022
Title Company	AMROCK TITLE CA INC, AMROCK TITLE CA

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	2070 GREEN VALLEY RD, WATSONVILLE, CA 95076-8622

Mortgage

Document Number	0000018300
Date	Jun 16, 2022
Instrument	2022-0018300

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

October 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 22, 2021
Property Address	112 ELM ST, WATSONVILLE, CA 95076-5068
Document Number	0000053087
Instrument Date	Oct 19, 2021
Instrument	2021-0053087
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$583.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	PO BOX 295, FREEDOM, CA 95019-0295

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 5, 2019
Property Address	112 ELM ST, WATSONVILLE, CA 95076-5068
Document Number	0000034301
Instrument Date	Oct 29, 2019
Instrument	34301
Transaction Type	Transfer
Record Updated	Nov 22, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	112 ELM ST WATSONVILLE CA 950765068, WATSONVILLE, CA 95076-5068

Tax Assessment & Valuation

The 2025 property tax bill for 112 Elm St was $8,766.

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	Assessed Market Value
2026		$649,460 (+2%) Land $497,919 Building $151,541
2025	$8,766.00	$636,725 Land $488,156 Building $148,569
2023	$7,796.00 (+1.92%)	$612,000 Land $469,200 Building $142,800	$502,380
2022	$7,649.00

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

Flood

FEMA maps place 112 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 112 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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