13 Bowen Ave, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 13 Bowen Ave, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,504 sqft · built 2006
Lot Size	0.155 acres (6,752 sqft)
Owner	2 Individual Names on File
Last Sale	$580,000 (Sep 2017)
Tax Bill	$8,555 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Dec 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`108-212-02`

Property Details

APN / Parcel Number

Primary APN	`108-212-02`
Alternative APN	`108-212-02-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Building Area	1,504 sqft Living Area

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,752 sqft (0.155 acres)
Deck Area	90 sqft
Patio Area	90 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	13 BOWEN AVE
City	WATSONVILLE
State	CA
Zip	95076-0605
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-9
Legal Subdivision	PARADISE HEIGHTS 03
Legal Lot Number	37
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1019
Census Tract	122401

Owner

13 Bowen Ave is owned and occupied by two individuals who bought it in September 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	13 BOWEN AVE, WATSONVILLE, CA 95076-0605
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Dec 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage OPTIMUM FIRST INC
Dec 8, 2020	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jul 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Sep 28, 2017	Grant Deed, Transfer · Conventional Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2017 · Amount on File
Deed Sale	Sep 28, 2017 · Amount on File
Deed Document Number	201732459
Prior Transfer Date	Aug 2, 2006
Prior Transfer Doc	0000049168
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	13 BOWEN AVE, WATSONVILLE, CA 95076-0605
Transaction Type	Mortgage
Record Updated	Jan 12, 2022
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 BOWEN AVE, WATSONVILLE, CA 95076-0605

Mortgage

Document Number	0000062441
Date	Dec 29, 2021
Instrument	2021-0062441

Lender

Name	OPTIMUM FIRST INC
Type	Mortgage Company
Address	FOUNTAIN VALLEY, CA 92708

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	13 BOWEN AVE, WATSONVILLE, CA 95076-0605
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 BOWEN AVE, WATSONVILLE, CA 95076-0605

Mortgage

Document Number	0000052597
Date	Dec 8, 2020
Instrument	2020-0052597

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	RENO, NV 89501

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Dec 7, 2025

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	13 BOWEN AVE, WATSONVILLE, CA 95076-0605
Document Number	0000026437
Instrument Date	Jul 13, 2020
Transaction Type	Mortgage
Record Updated	Aug 5, 2020
Title Company	AMROCK TITLE CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13 BOWEN AVE WATSONVILLE CA 950760605, WATSONVILLE, CA 95076-0605

Mortgage

Document Number	0000026437
Date	Jul 20, 2020
Instrument	26437

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 19, 2050

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 28, 2017
Property Address	13 BOWEN AVE, WATSONVILLE, CA 95076-0605
Document Number	0000032459
Map Reference	MB25 PG44
Instrument Date	Sep 26, 2017
Instrument	2017-0032459
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	13 BOWEN AVE, WATSONVILLE, CA 95076-0605

Mortgage

Document Number	0000032460
Date	Sep 28, 2017
Instrument	2017-0032460

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

Mortgage

Document Number	0000032461
Date	Sep 28, 2017
Instrument	2017-0032461

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 23, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 13 Bowen Ave was $8,555 with a homeowner'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		$673,140 (+2%) Land $471,198 Building $201,942
2025	$8,555.00 Homeowner's exemption	$659,941 Land $461,959 Building $197,982
2023	$7,808.00 (+2%) Homeowner's exemption	$634,314 Land $444,020 Building $190,294	$631,530
2022	$7,655.00

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

Flood

FEMA maps place 13 Bowen Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1996.

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	5 in force
Nearby Flood Claims	2 (1996–2023)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 2023 · Severe Storm And Flooding

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 13 Bowen Ave is moderate, ranking above 58% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 58% of the US · lower than 65% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 71 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
Etheric Networks Fixed Wireless	250 / 100
AT&T Fixed Wireless	100 / 20

May also be available: Cruzio, Verizon.

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