131 Cutter Dr, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 131 Cutter Dr, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 5,115 sqft · built 1992
Lot Size	1.28 acres (56,018 sqft)
Owner	2 Individual Names on File
Last Sale	$800,000 (Feb 2021)
Tax Bill	$12,330 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Feb 2021 Sale & Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`051-771-10`

Property Details

APN / Parcel Number

Primary APN	`051-771-10`
Alternative APNs	`051-771-10-000` `05129125000`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Building Area	5,115 sqft Living Area
Gross Area	5,794 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	56,018 sqft
Terrain	Steep
Garage Type	Attached
Garage Area	679 sqft
Parking Spaces	2 Parking Spaces
Deck Area	394 sqft
Patio Area	394 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	131 CUTTER DR
City	WATSONVILLE
State	CA
Zip	95076-2211
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10-GH
Legal Subdivision	LAKEVIEW MANOR
Legal Lot Number	8
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1001
Census Tract	122500

Owner

131 Cutter Dr is owned and occupied by two individuals who bought it in February 2021.

Source: Santa Cruz County records, as of September 14, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	127 CUTTER DR, WATSONVILLE, CA 95076-2211
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2021	Deed of Trust, Mortgage · Commercial Mortgage STEPHEN JOHN MARTINELLI
Feb 11, 2021	Grant Deed, Transfer · Commercial Mortgage MARGARET RUDER MATTINELLI
Feb 2, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 11, 2021 · Amount on File
Deed Sale	Feb 11, 2021 · Amount on File
Deed Document Number	20218763
Prior Transfer Date	Feb 1, 2021
Prior Transfer Doc	0000008763
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	131 CUTTER DR, WATSONVILLE, CA 95076-2211
Transaction Type	Mortgage
Record Updated	Jan 19, 2023
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008762
Date	Feb 11, 2021
Instrument	2021-0008762

Lender

Name	STEPHEN JOHN MARTINELLI
Type	Private Party
Address	131 CUTTER DR, WATSONVILLE, CA 95076

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

February 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 11, 2021
Property Address	131 CUTTER DR, WATSONVILLE, CA 95076-2211
Document Number	0000008763
Map Reference	MB 33 PG 22
Instrument Date	Feb 1, 2021
Instrument	2021-0008763
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 CUTTER DR, WATSONVILLE, CA 95076-2211

Mortgage

Document Number	0000008764
Date	Feb 11, 2021
Instrument	2021-0008764

Lender

Name	MARGARET RUDER MATTINELLI
Type	Private Party
Address	131 CUTTER DR, WATSONVILLE, CA 95076

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 2, 2021
Property Address	131 CUTTER DR, WATSONVILLE, CA 95076-2211
Document Number	0000006054
Map Reference	MB 33 PG 22
Instrument Date	Feb 1, 2021
Instrument	2021-0006054
Transaction Type	Transfer
Record Updated	Aug 17, 2021

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	131 CUTTER DR, WATSONVILLE, CA 95076-2211

Tax Assessment & Valuation

The 2025 property tax bill for 131 Cutter Dr was $12,330 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		$960,580 (+2%) Land $199,152 Building $761,428
2025	$12,330.00 Homeowner's exemption	$941,744 Land $195,246 Building $746,498
2023	$10,971.00 (+1.86%) Homeowner's exemption	$905,174 Land $187,664 Building $717,510	$740,160
2022	$10,771.00

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

Flood

FEMA maps place 131 Cutter Dr in Zone A, a high-risk 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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 63 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	63 in force
Nearby Flood Claims	54 (1995–2023)
Most Recent Claim	Mar 2023 · Severe Storm And Flooding
Claims by Event	Severe Storm And Flooding, Mar 2023 · 3 claims Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Mar 2023 · 17 claims Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 28 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

Wildfire risk around 131 Cutter Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% 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 153 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Cruzio Fixed Wireless	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
Etheric Networks Fixed Wireless	250 / 100

May also be available: Verizon.

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