14 Cutter Dr, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 14 Cutter Dr, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,370 sqft · built 1947
Lot Size	0.273 acres (11,892 sqft)
Owner	2 Trust Names on File
Last Sale	$201,000 (Jun 1998)
Tax Bill	$5,064 (2025)
Deeds & Mortgages	Dec 2020 Transfer Nov 2020 Mortgage
Flood Zone	Zone A (high risk)
APN	`051-153-17`

Property Details

APN / Parcel Number

Primary APN	`051-153-17`
Alternative APN	`051-153-17-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	1,370 sqft Living Area
Gross Area	1,805 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	11,892 sqft (0.273 acres)
Garage Type	Attached
Garage Area	435 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	14 CUTTER DR
City	WATSONVILLE
State	CA
Zip	95076-2210
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Subdivision	RANCHO SALSIPUEDES
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1000
Census Tract	122500

Owner

14 Cutter Dr is owner-occupied and held in a trust since November 2020.

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

Owner of Record	2 Trust Names on File
Mailing Address	14 CUTTER DR, WATSONVILLE, CA 95076-2210
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Family Trust

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 2, 2020	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Nov 30, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 1998 · Amount on File
Deed Sale	Jun 16, 1998 · Amount on File
Deed Document Number	199833411
Last Transfer Date	Nov 20, 2020
Transfer Doc	0000051573
Record Updated	Sep 20, 2026

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 2, 2020
Property Address	14 CUTTER DR, WATSONVILLE, CA 95076-2210
Document Number	0000051573
Instrument Date	Nov 20, 2020
Instrument	51573
Transaction Type	Transfer
Record Updated	Dec 16, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	14 CUTTER DR WATSONVILLE CA 950762210, WATSONVILLE, CA 95076-2210
Investor	Possibly a Property Investor

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 30, 2020
Property Address	14 CUTTER DR, WATSONVILLE, CA 95076-2210
Document Number	0000051029
Instrument Date	Nov 20, 2020
Instrument	2020-0051029
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

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	14 CUTTER DR, WATSONVILLE, CA 95076-2210

Mortgage

Document Number	0000051030
Date	Nov 30, 2020
Instrument	2020-0051030

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 14 Cutter Dr was $5,064 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		$327,375 (+2%) Land $196,424 Building $130,951
2025	$5,064.00 Homeowner's exemption	$320,955 Land $192,572 Building $128,383
2023	$4,514.00 (+2.06%) Homeowner's exemption	$308,493 Land $185,095 Building $123,398	$610,110
2022	$4,423.00

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

Flood

FEMA maps place 14 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 14 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 97% of the US · lower than 97.8% 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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