128 Prospect St, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 128 Prospect St, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 825 sqft · built 1929
Lot Size	0.081 acres (3,528 sqft)
Owner	2 Individual Names on Record
Last Sale	$570,000 (Apr 2023)
Tax Bill	$7,540 (2025)
Deeds & Mortgages	Apr 2023 Transfer Apr 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`019-051-12`

Property Details

APN / Parcel Number

Primary APN	`019-051-12`
Alternative APN	`019-051-12-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	825 sqft Living Area
Gross Area	1,161 sqft

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	3,528 sqft (0.081 acres)
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	128 PROSPECT ST
City	WATSONVILLE
State	CA
Zip	95076-3220
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	WATSONVILLE HEIGHTS 02
Legal Lot Number	243
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1013
Census Tract	110202

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	128 PROSPECT ST, WATSONVILLE, CA 95076-3220
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2023	Intrafamily Transfer, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
Apr 25, 2023	Grant Deed, Transfer · FHA Mortgage MISSION LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2023 · Amount on Record
Deed Sale	Apr 25, 2023 · Amount on Record
Deed Document Number	20237184
Prior Transfer Date	Apr 19, 2023
Prior Transfer Doc	0000007185
Record Updated	Sep 20, 2026

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 25, 2023
Property Address	128 PROSPECT ST, WATSONVILLE, CA 95076-3220
Document Number	0000007185
Map Reference	MB 15 PG 36
Instrument Date	Apr 19, 2023
Instrument	2023-0007185
Transaction Type	Transfer
Record Updated	May 10, 2023
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	1941 PONDEROSA CT, HOLLISTER, CA 95023-5246

April 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 25, 2023
Property Address	128 PROSPECT ST, WATSONVILLE, CA 95076-3220
Document Number	0000007184
Map Reference	MB 15 PG 36
Instrument Date	Apr 17, 2023
Instrument	2023-0007184
Transaction Type	Transfer
Record Updated	May 10, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$627.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 PROSPECT ST, WATSONVILLE, CA 95076-3220

Mortgage

Document Number	0000007186
Date	Apr 25, 2023
Instrument	2023-0007186

Lender

Name	MISSION LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

Tax Assessment & Valuation

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		$604,888 (+2%) Land $411,324 Building $193,564
2025	$7,540.00 (+73.69%) Homeowner's exemption	$593,028 (+63.5%) Land $403,260 Building $189,768
2023	$4,341.00 (+224.93%)	$362,709 Land $284,393 Building $78,316	$501,030
2022	$1,336.00

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

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

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.

Nearby Properties on Prospect St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures