Santa Cruz County property record for 14 Cottage Dr, Watsonville, CA 95076
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,915 sqft · built 1961 |
| Lot Size | 0.149 acres (6,490 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $527,000 (Aug 2017) |
| Tax Bill | $8,408 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Aug 2017 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-311-16 |
| Primary APN | 051-311-16 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,915 sqft Living Area |
| Gross Area | 2,419 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 6,490 sqft (0.149 acres) |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 14 COTTAGE DR |
|---|---|
| City | WATSONVILLE |
| State | CA |
| Zip | 95076-2314 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-6 |
| Legal Description | TR 257 |
| Legal Subdivision | TRACT 257 PARKWOOD MANOR |
| Legal Tract | 257 |
| Legal Lot Number | 14 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | WATSONVILLE |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 122500 |
14 Cottage Dr is owned and occupied by two individuals who bought it in August 2017.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 14 COTTAGE DR, WATSONVILLE, CA 95076-2314 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 27, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Aug 18, 2017 | Grant Deed, Transfer FIRST AMERICAN TITLE |
| Aug 18, 2017 | Grant Deed, Transfer · FHA Mortgage MOUNTAIN WEST FINANCIAL INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 18, 2017 · Amount on File |
| Deed Sale | Aug 18, 2017 · Amount on File |
| Prior Sale | Jan 4, 2010 · Amount on File |
| Deed Document Number | 201727550 |
| Prior Transfer Date | Nov 30, 1993 |
| Prior Transfer Doc | 0000091257 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 14 COTTAGE DR, WATSONVILLE, CA 95076-2314 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2021 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 14 COTTAGE DR, ROYAL OAKS, CA 95076-2314 |
| Document Number | 0000029796 |
|---|---|
| Date | May 27, 2021 |
| Instrument | 2021-0029796 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Aug 18, 2017 |
| Property Address | 14 COTTAGE DR, WATSONVILLE, CA 95076-2314 |
| Document Number | 0000027549 |
| Instrument Date | Aug 17, 2017 |
| Instrument | 27549 |
| Transaction Type | Transfer |
| Record Updated | Oct 16, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $21.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 14 COTTAGE DR WATSONVILLE CA 950762314, WATSONVILLE, CA 95076-2314 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Aug 18, 2017 |
| Property Address | 14 COTTAGE DR, WATSONVILLE, CA 95076-2314 |
| Document Number | 0000027550 |
| Map Reference | MB37 PG16 |
| Instrument Date | Aug 16, 2017 |
| Instrument | 2017-0027550 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| 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 |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 14 COTTAGE DR, WATSONVILLE, CA 95076-2314 |
| Document Number | 0000027551 |
|---|---|
| Date | Aug 18, 2017 |
| Instrument | 2017-0027551 |
| Name | MOUNTAIN WEST FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2047 |
The 2025 property tax bill for 14 Cottage Dr was $8,408.
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $611,628 (+2%) Land $428,140 Building $183,488 | ||
| 2025 | $8,408.00 | $599,636 Land $419,746 Building $179,890 | |
| 2023 | $7,488.00 (+1.91%) | $576,352 Land $403,446 Building $172,906 | $828,720 |
| 2022 | $7,348.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 14 Cottage Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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 |
|
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.
The area around 14 Cottage Dr 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 159 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Etheric Networks Fixed Wireless | 250 / 100 |
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