126 Ocean Mist, La Selva Beach (Watsonville), CA 95076 Property Records

Santa Cruz County property record for 126 Ocean Mist, La Selva Beach, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 4,555 sqft · built 2001
Lot Size	1.78 acres (77,885 sqft)
Owner	Individual Name on Record
Last Sale	$63,500 (Apr 1995)
Tax Bill	$14,313 (2025)
Deeds & Mortgages	May 2022 Line of Credit Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`046-231-55`

Property Details

APN / Parcel Number

Primary APN	`046-231-55`
Alternative APN	`046-231-55-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Building Area	4,555 sqft Living Area
Gross Area	5,552 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Construction Type	Wood
Roof Material	Tile
Lot Area	77,885 sqft
Terrain	Steep
View / Lot	Ocean
Garage Type	Attached
Garage Area	997 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	126 OCEAN MIST
City	WATSONVILLE
State	CA
Zip	95076-1926
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Subdivision	SAN ANDREAS RHO
Legal Lot Number	33
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2016
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	Individual Name on Record
Mailing Address	126 OCEAN MIST, WATSONVILLE, CA 95076-1926
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2022	Deed of Trust, Mortgage · Line of Credit MUFG UNION BANK NA
Apr 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA
Aug 22, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 21, 1995 · Amount on Record
Deed Sale	Apr 21, 1995 · Amount on Record
Deed Document Number	199519666
Deed Book / Page	5663 / 66
Last Transfer Date	Aug 14, 2018
Transfer Doc	0000025753
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	126 OCEAN MIST, LA SELVA BEACH, CA 95076-1926
Transaction Type	Mortgage
Record Updated	Jun 8, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 OCEAN MIST, LA SELVA BEACH, CA 95076-1926

Mortgage

Document Number	0000016382
Date	May 26, 2022
Instrument	2022-0016382

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jun 15, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	126 OCEAN MIST, LA SELVA BEACH, CA 95076-1926
Transaction Type	Mortgage
Record Updated	May 12, 2021
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 OCEAN MIST, LA SELVA BCH, CA 95076-1926

Mortgage

Document Number	0000024852
Date	Apr 30, 2021
Instrument	2021-0024852

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	May 1, 2031
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	4.62%
Index	1-Year LIBOR
Max Rate	8.62%

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 22, 2018
Property Address	126 OCEAN MIST, LA SELVA BEACH, CA 95076-1926
Document Number	0000025753
Instrument Date	Aug 14, 2018
Instrument	25753
Transaction Type	Transfer
Record Updated	Sep 7, 2018
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	Personal Trust
Address	126 OCEAN MIST LA SELVA BEACH CA 950761926, LA SELVA BEACH, CA 95076-1926

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		$1,196,497 (+2%) Land $325,532 Building $870,965
2025	$14,313.00 (+13.48%) Homeowner's exemption	$1,173,036 (+4.04%) Land $319,149 Building $853,887
2023	$12,613.00 (+1.8%) Homeowner's exemption	$1,127,485 Land $306,756 Building $820,729	$2,414,160
2022	$12,390.00

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	Moderate above 50% of the US · lower than 70% of California
Wildfire Likelihood	0.09% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 16 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, Etheric Networks, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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