125 Roe Ave, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 125 Roe Ave, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,092 sqft · built 1971
Lot Size	0.147 acres (6,403 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,157 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`051-331-49`

Property Details

APN / Parcel Number

Primary APN	`051-331-49`
Alternative APN	`051-331-49-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,092 sqft Living Area
Gross Area	1,420 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Exterior Material	Block
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,403 sqft (0.147 acres)
Garage Type	Attached
Garage Area	328 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	125 ROE AVE
City	WATSONVILLE
State	CA
Zip	95076-1222
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Subdivision	CANDLEWOOD PLAZA #1 TR #496
Legal Lot Number	18
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	3
Census Block	3016
Census Tract	122500

Owner

125 Roe Ave is owned and occupied by two individuals who acquired it in March 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	125 ROE AVE, WATSONVILLE, CA 95076-1222
Occupancy	Owner Occupied
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
Mar 10, 2021	Deed of Trust, Mortgage · VA Mortgage FLEXPOINT INC
Mar 23, 2020	Intrafamily Transfer, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Mar 10, 2020
Transfer Doc	0000009944
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	125 ROE AVE, WATSONVILLE, CA 95076-1222
Transaction Type	Mortgage
Record Updated	Mar 24, 2021
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 ROE AVE, WATSONVILLE, CA 95076-1222

Mortgage

Document Number	0000014353
Date	Mar 10, 2021
Instrument	2021-0014353

Lender

Name	FLEXPOINT INC
Type	Non-Lending Institution
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

March 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 23, 2020
Property Address	125 ROE AVE, WATSONVILLE, CA 95076-1222
Document Number	0000009944
Map Reference	MB 52 MAP 3
Instrument Date	Mar 10, 2020
Instrument	2020-0009944
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	STEWART TITLE

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
Investor	Possibly a Property Investor

Mortgage

Document Number	0000009945
Date	Mar 23, 2020
Instrument	2020-0009945

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 125 Roe Ave was $1,157 with a veteran's exemption.

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		$132,955 (+2%) Land $50,783 Building $82,172
2025	$1,157.00 Disabled Person's exemption Veteran's exemption	$130,349 Land $49,788 Building $80,561
2023	$1,237.00 (+7.1%) Disabled Person's exemption Veteran's exemption	$125,287 Land $47,854 Building $77,433	$404,910
2022	$1,155.00

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

Flood

FEMA maps place 125 Roe Ave in Zone X, an area of minimal flood risk, though there have been 42 flood claims nearby since 1982.

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

Wildfire risk around 125 Roe Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 96% of California
Wildfire Likelihood	Under 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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