127 Prospect St, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 127 Prospect St, Watsonville, CA 95076

Property Summary

Property Type	Multi-Family Dwellings
Details	4 bd · 4 ba · 2,392 sqft · built 1949
Lot Size	0.155 acres (6,752 sqft)
Owner	Individual Name on File
Last Sale	$690,000 (Mar 2017)
Tax Bill	$10,427 (2025)
Deeds & Mortgages	Apr 2021 Mortgage May 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`019-044-06`

Property Details

APN / Parcel Number

Primary APN	`019-044-06`
Alternative APN	`019-044-06-000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Building Area	2,392 sqft Living Area
Gross Area	3,280 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1980
Architectural Style	Multi-Family
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,752 sqft (0.155 acres)
Garage Type	Attached
Garage Area	888 sqft
Parking Spaces	4 Parking Spaces
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	127 PROSPECT ST, B
City	WATSONVILLE
State	CA
Zip	95076-3219
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Subdivision	WATSONVILLE HEIGHTS 02
Legal Lot Number	258
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1014
Census Tract	110202

Owner

127 Prospect St is owned by an individual who acquired it in April 2021.

Source: Santa Cruz County records, as of October 12, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 757, WATSONVILLE, CA 95077-0757
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
Apr 30, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage MOUNTAIN WEST FINANCIAL INC
May 4, 2018	Deed of Trust, Mortgage STEARNS LNDG
Mar 30, 2017	Grant Deed, Transfer · Conventional Mortgage SPARLING N L 2013 TRUST (PT)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 30, 2017 · Amount on File
Deed Sale	Mar 30, 2017 · Amount on File
Deed Document Number	201710735
Last Transfer Date	Apr 29, 2021
Transfer Doc	0000025049
Record Updated	Oct 29, 2026

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 30, 2021
Property Address	127 PROSPECT ST, WATSONVILLE, CA 95076-3219
Document Number	0000025049
Map Reference	MB 15 PG 36
Instrument Date	Apr 29, 2021
Instrument	2021-0025049
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN 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
Address	PO BOX 757, WATSONVILLE, CA 95077-0757

Mortgage

Document Number	0000025050
Date	Apr 30, 2021
Instrument	2021-0025050

Lender

Name	MOUNTAIN WEST FINANCIAL INC
Type	Mortgage Company

Agreement

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

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	127 PROSPECT ST, WATSONVILLE, CA 95076-3219
Document Number	0000013764
Instrument Date	May 4, 2018
Transaction Type	Mortgage
Record Updated	Jun 1, 2018
Title Company	COLONIAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 757 WATSONVILLE CA 950770757, WATSONVILLE, CA 95077-0757

Mortgage

Document Number	0000013764
Date	May 8, 2018
Instrument	13764

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 7, 2048

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 30, 2017
Property Address	127 PROSPECT ST, WATSONVILLE, CA 95076-3219
Document Number	0000010735
Instrument Date	Mar 20, 2017
Instrument	10735
Transaction Type	Transfer
Record Updated	Apr 13, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$759.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1725 FREEDOM BLVD FREEDOM CA 950193018, FREEDOM, CA 95019-3018

Mortgage

Document Number	10736
Date	Mar 30, 2017
Instrument	10736

Lender

Name	SPARLING N L 2013 TRUST (PT)

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 127 Prospect St was $10,427.

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
2026		$816,820 (+2%) Land $461,681 Building $355,139
2025	$10,427.00	$800,805 Land $452,629 Building $348,176
2023	$9,255.00 (+1.82%)	$769,708 Land $435,052 Building $334,656
2022	$9,090.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 127 Prospect St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 10, 2019

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 127 Prospect 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 638 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Cruzio Fixed Wireless	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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