133 Cutter Dr, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 133 Cutter Dr, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,600 sqft · built 1960
Lot Size	0.815 acres (35,501 sqft)
Owner	2 Individual Names on File
Last Sale	$375,000 (Aug 2000)
Tax Bill	$2,603 (2025)
Deeds & Mortgages	May 2023 Line of Credit Jan 2021 Mortgage + 2 more
Flood Zone	Zone A (high risk)
APN	`051-771-09`

Property Details

APN / Parcel Number

Primary APN	`051-771-09`
Alternative APN	`051-771-09-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,600 sqft Living Area
Gross Area	2,248 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	35,501 sqft (0.815 acres)
Garage Type	Attached
Garage Area	648 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	133 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 TR #145
Legal Lot Number	9
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1001
Census Tract	122500

Owner

133 Cutter Dr is owned and occupied by two individuals who bought it in August 2000.

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

Owner of Record	2 Individual Names on File
Mailing Address	133 CUTTER DR, WATSONVILLE, CA 95076-2211
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
May 2, 2023	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Jan 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE
Feb 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE
Dec 5, 2017	Deed of Trust, Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2000 · Amount on File
Deed Sale	Aug 11, 2000 · Amount on File
Deed Document Number	200038898
Prior Transfer Date	Aug 3, 2000
Prior Transfer Doc	0000038898
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	133 CUTTER DR, WATSONVILLE, CA 95076-2211
Transaction Type	Mortgage
Record Updated	May 18, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	133 CUTTER DR, CORRALITOS, CA 95076-2211

Mortgage

Document Number	0000007586
Date	May 2, 2023
Instrument	2023-0007586

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	LIMA, OH 45801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	133 CUTTER DR, WATSONVILLE, CA 95076-2211
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TTL GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	133 CUTTER DR, WATSONVILLE, CA 95076-2211

Mortgage

Document Number	0000002025
Date	Jan 13, 2021
Instrument	2021-0002025

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2050

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	133 CUTTER DR, WATSONVILLE, CA 95076-2211
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006779
Date	Feb 27, 2020
Instrument	2020-0006779

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	357 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Nov 1, 2024
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	6.87%
Index	1-Year LIBOR
Max Rate	9.87%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	133 CUTTER DR, WATSONVILLE, CA 95076-2211
Document Number	0000041747
Instrument Date	Dec 5, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	133 CUTTER DR WATSONVILLE CA 950762211, WATSONVILLE, CA 95076-2211

Mortgage

Document Number	0000041747
Date	Dec 11, 2017
Instrument	41747

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 10, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 133 Cutter Dr was $2,603.

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		$105,715 (+2%) Land $21,816 Building $83,899
2025	$2,603.00	$103,642 Land $21,388 Building $82,254
2023	$2,329.00 (+2.33%)	$99,618 Land $20,558 Building $79,060	$717,750
2022	$2,276.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 133 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 133 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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