1185 San Andreas Rd, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 1185 San Andreas Rd, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,959 sqft · built 1974
Lot Size	0.291 acres (12,676 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Nov 2021)
Tax Bill	$14,169 (2025)
Deeds & Mortgages	Oct 2025 Second Mortgage Nov 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`046-261-03`

Property Details

APN / Parcel Number

Primary APN	`046-261-03`
Alternative APN	`046-261-03-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	3,959 sqft Living Area
Gross Area	4,487 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Wood
Lot Area	12,676 sqft (0.291 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	399 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	1185 SAN ANDREAS RD
City	WATSONVILLE
State	CA
Zip	95076-9639
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2004
Census Tract	122300

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1185 SAN ANDREAS RD, WATSONVILLE, CA 95076-9639
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2025	Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage FUNDLOANS CAPITAL
Nov 16, 2021	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 30, 2020	Grant Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Jul 24, 2017	Grant Deed, Transfer OTHER INSTITUTIONAL LENDERS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2021 · Amount on Record
Deed Sale	Nov 16, 2021 · Amount on Record
Prior Sale	Sep 30, 2020 · Amount on Record
Deed Document Number	202156556
Last Transfer Date	Oct 10, 2025
Transfer Doc	0000022271
Record Updated	Oct 29, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 17, 2025
Property Address	1185 SAN ANDREAS RD, WATSONVILLE, CA 95076-9639
Document Number	0000022271
Instrument Date	Oct 10, 2025
Instrument	2025-0022271
Transaction Type	Transfer
Record Updated	Oct 30, 2025
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

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	1185 SAN ANDREAS RD, WATSONVILLE, CA 95076-9639

Mortgage

Document Number	0000022272
Date	Oct 17, 2025
Instrument	2025-0022272

Lender

Name	FUNDLOANS CAPITAL
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

November 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 16, 2021
Property Address	1185 SAN ANDREAS RD, WATSONVILLE, CA 95076-9639
Document Number	0000056556
Instrument Date	Nov 10, 2021
Instrument	2021-0056556
Transaction Type	Transfer
Record Updated	Sep 5, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$291.50
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1185 SAN ANDREAS RD, WATSONVILLE, CA 95076-9639
Investor	Possibly a Property Investor

Mortgage

Document Number	0000056557
Date	Nov 16, 2021
Instrument	2021-0056557

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 30, 2020
Property Address	1185 SAN ANDREAS RD, WATSONVILLE, CA 95076-9639
Document Number	0000039068
Instrument Date	Sep 25, 2020
Instrument	2020-0039068
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
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	1185 SAN ANDREAS RD, WATSONVILLE, CA 95076-9639

Mortgage

Document Number	0000039069
Date	Sep 30, 2020
Instrument	2020-0039069

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 24, 2017
Property Address	1185 SAN ANDREAS RD, WATSONVILLE, CA 95076-9639
Document Number	0000024084
Instrument Date	Jul 11, 2017
Instrument	24084
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$962.50
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	290 SKILLMAN LN PETALUMA CA 94952, PETALUMA, CA 94952

Mortgage

Document Number	24085,
Date	Jul 24, 2017
Instrument	24085

Lender

Name	OTHER INSTITUTIONAL LENDERS
Address	SANTA ANA, CA 92707-8788

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 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		$1,184,700 (+2%) Land $719,074 Building $465,626
2025	$14,169.00 (+12.95%) Homeowner's exemption	$1,161,470 (+4.04%) Land $704,974 Building $456,496
2023	$12,544.00 (+32.81%) Homeowner's exemption	$1,116,369 Land $677,598 Building $438,771	$833,850
2022	$9,445.00

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
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	7 (1978–2010)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Apr 2010 · other causes

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 65% of the US · lower than 79% of California
Wildfire Likelihood	0.06% 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	SAN ANDREAS MUTUAL WATER CO private · serves 392 people · EPA ID CA4400558
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	2 ppb (2022–2024) 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 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Razzolink Fixed Wireless	500 / 250

May also be available: Cruzio, T-Mobile, Verizon.

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