129 Madison St, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 129 Madison St, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,630 sqft · built 1889
Lot Size	0.123 acres (5,358 sqft)
Owner	2 Individual Names on Record
Last Sale	$871,000 (Jul 2021)
Tax Bill	$11,672 (2025)
Deeds & Mortgages	Jul 2022 Transfer Jul 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`018-561-24`

Property Details

APN / Parcel Number

Primary APN	`018-561-24`
Alternative APN	`018-561-24-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	2,630 sqft Living Area
Gross Area	3,030 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1889
Effective Year Built	Effective 2000
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	5,358 sqft (0.123 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	129 MADISON ST
City	WATSONVILLE
State	CA
Zip	95076-4334
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	J WATERS
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1030
Census Tract	110201

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	129 MADISON ST, WATSONVILLE, CA 95076-4334
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2022	Intrafamily Transfer, Transfer
Jul 8, 2021	Grant Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Nov 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE WEST
Jul 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2021 · Amount on Record
Deed Sale	Jul 8, 2021 · Amount on Record
Prior Sale	Jan 4, 2013 · Amount on Record
Deed Document Number	202136578
Last Transfer Date	Jul 26, 2022
Transfer Doc	0000021924
Record Updated	Sep 20, 2026

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 29, 2022
Property Address	129 MADISON ST, WATSONVILLE, CA 95076-4334
Document Number	0000021924
Map Reference	VOL 12 PG 7
Instrument Date	Jul 26, 2022
Instrument	2022-0021924
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Revocable Living Trust
Address	129 MADISON ST, WATSONVILLE, CA 95076-4334

July 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 8, 2021
Property Address	129 MADISON ST, WATSONVILLE, CA 95076-4334
Document Number	0000036578
Map Reference	VOL 12 PG 7
Instrument Date	Jul 1, 2021
Instrument	2021-0036578
Transaction Type	Transfer
Record Updated	Jul 21, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$958.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	40 VIA DEL SOL, WATSONVILLE, CA 95076-0316

Mortgage

Document Number	0000036579
Date	Jul 8, 2021
Instrument	2021-0036579

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

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

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	129 MADISON ST, WATSONVILLE, CA 95076-4334
Document Number	0000039000
Instrument Date	Nov 8, 2019
Transaction Type	Mortgage
Record Updated	Jan 2, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	129 MADISON ST WATSONVILLE CA 950764334, WATSONVILLE, CA 95076-4334

Mortgage

Document Number	0000039000
Date	Dec 11, 2019
Instrument	39000

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 10, 2049

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	129 MADISON ST, WATSONVILLE, CA 95076-4334
Document Number	0000023127
Instrument Date	Jul 10, 2017
Transaction Type	Mortgage
Record Updated	Oct 25, 2017
Title Company	BNT TITLE COMPANY/CA, BNT TITLE CO/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	129 MADISON ST WATSONVILLE CA 950764334, WATSONVILLE, CA 95076-4334

Mortgage

Document Number	0000023127
Date	Jul 14, 2017
Instrument	23127

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 13, 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
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		$942,800 (+2%) Land $546,824 Building $395,976
2025	$11,672.00 (+11.04%) Homeowner's exemption	$924,314 (+4.04%) Land $536,102 Building $388,212
2024	$10,512.00 (+1.53%)
2023	$10,354.00 (+1.62%) Homeowner's exemption	$888,420 Land $515,284 Building $373,136	$662,940
2022	$10,189.00

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force

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 98% of the US · lower than 98.4% 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 823 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	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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