13 Plover Cir, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 13 Plover Cir, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,117 sqft · built 1970
Lot Size	0.281 acres (12,240 sqft)
Owner	Company Name on File
Last Sale	$2,500,000 (Apr 2024)
Tax Bill	$39,932 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Apr 2024 Sale & Construction Loan + 2 more
Flood Zone	Zone VE (high risk)
APN	`052-281-17`

Property Details

APN / Parcel Number

Primary APN	`052-281-17`
Alternative APN	`052-281-17-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Building Area	2,117 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1980
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	12,240 sqft (0.281 acres)
Terrain	Steep
View / Lot	Ocean
Deck Area	180 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	13 PLOVER CIR
City	WATSONVILLE
State	CA
Zip	95076
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SU
Legal Subdivision	TRACT 468 PAJARO DUNES
Legal Lot Number	13
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1025
Census Tract	122300

Owner

13 Plover Cir is owned by a company that bought it in April 2024.

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

Owner of Record	Company Name on File
Mailing Address	27 MEADOW WAY, FAIRFAX, CA 94930-2151
Owner Type	Company
Vesting	Limited Liability Company

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
Mar 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage AXOS BANK
Apr 8, 2024	Grant Deed, Construction Loan · Construction Mortgage FIRST BRIDGE FUNDING INC
Oct 13, 2022	Intrafamily Transfer, Transfer
Oct 13, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 8, 2024 · Amount on File
Deed Sale	Apr 8, 2024 · Amount on File
Prior Sale	Nov 18, 2016 · Amount on File
Deed Document Number	20246450
Prior Transfer Date	Oct 11, 2022
Prior Transfer Doc	0000028320
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	13 PLOVER CIR, WATSONVILLE, CA 95076
Transaction Type	Mortgage
Record Updated	Apr 10, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27 MEADOW WAY, FAIRFAX, CA 94930-2151

Mortgage

Document Number	0000006716
Date	Mar 27, 2026
Instrument	2026-0006716

Lender

Name	AXOS BANK
Type	Bank
Address	SAN DIEGO, CA 92122

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

April 2024: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 8, 2024
Property Address	13 PLOVER CIR, WATSONVILLE, CA 95076
Document Number	0000006450
Map Reference	MB 44 PG 39
Instrument Date	Apr 4, 2024
Instrument	2024-0006450
Transaction Type	Construction Loan
Record Updated	May 2, 2024
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27 MEADOW WAY, FAIRFAX, CA 94930-2151

Mortgage

Document Number	0000006451
Date	Apr 8, 2024
Instrument	2024-0006451

Lender

Name	FIRST BRIDGE FUNDING INC
Type	Non-Lending Institution

Agreement

Type	Construction Mortgage
Amount	Amount on Record

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 13, 2022
Property Address	13 PLOVER CIR, WATSONVILLE, CA 95076
Document Number	0000028320
Map Reference	MB 44 PG 39
Instrument Date	Oct 11, 2022
Instrument	2022-0028320
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 Trust
Address	14085 MULBERRY LN, LOS ALTOS HILLS, CA 94022-2099

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 13, 2022
Property Address	13 PLOVER CIR, WATSONVILLE, CA 95076
Document Number	0000028319
Map Reference	MB 44 PG 39
Instrument Date	Oct 11, 2022
Instrument	2022-0028319
Transaction Type	Transfer
Record Updated	Oct 26, 2022

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	Community Property with Right of Survivorship
Address	14085 MULBERRY LN, LOS ALTOS HILLS, CA 94022-2099

Tax Assessment & Valuation

The 2025 property tax bill for 13 Plover Cir was $39,932, up 34.2% from the year before.

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		$2,590,596 (+2%) Land $2,278,476 Building $312,120
2025	$39,932.00 (+34.17%)	$2,539,800 Land $2,233,800 Building $306,000
2024	$29,762.00 (+32.85%)
2023	$22,402.00 (+1.33%)	$1,779,253 Land $1,334,440 Building $444,813	$1,737,540
2022	$22,109.00

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

Flood

FEMA maps place 13 Plover Cir in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	22.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 55 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	474 units insured incl. 419 condo units
Nearby Flood Claims	16 (1983–2023)
Claims Outside the SFHA	3 of 16
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms And Flooding, Mar 1998 · 6 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 2 claims

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

The area around 13 Plover Cir 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 105 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Cruzio Fixed Wireless	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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