14 Dick Phelps Rd, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 14 Dick Phelps Rd, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,158 sqft · built 1929
Lot Size	0.389 acres (16,945 sqft)
Owner	Individual Name on Record
Last Sale	$635,000 (Jul 2018)
Tax Bill	$9,806 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`051-072-21`

Property Details

APN / Parcel Number

Primary APN	`051-072-21`
Alternative APN	`051-072-21-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	1,158 sqft Living Area
Gross Area	1,626 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Construction Type	Wood
Roof Material	Other
Lot Area	16,945 sqft (0.389 acres)
Garage Type	Attached
Garage Area	468 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	14 DICK PHELPS RD
City	WATSONVILLE
State	CA
Zip	95076-1334
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10
Legal Subdivision	CORRALITOS RHO
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	4
Census Block	4011
Census Tract	122500

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	14 DICK PHELPS RD, WATSONVILLE, CA 95076-1334
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage MOUNTAIN WEST FINANCIAL INC
Jul 9, 2018	Grant Deed, Transfer · Conventional Mortgage MOUNTAIN WEST FINANCIAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 9, 2018 · Amount on Record
Deed Sale	Jul 9, 2018 · Amount on Record
Prior Sale	Oct 8, 2009 · Amount on Record
Deed Document Number	201820858
Prior Transfer Date	Aug 12, 2010
Prior Transfer Doc	0000037854
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	14 DICK PHELPS RD, WATSONVILLE, CA 95076-1334
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 DICK PHELPS RD, WATSONVILLE, CA 95076-1334

Mortgage

Document Number	0000012388
Date	Mar 1, 2021
Instrument	2021-0012388

Lender

Name	MOUNTAIN WEST FINANCIAL INC
Type	Mortgage Company
Address	REDLANDS, CA 92374

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 9, 2018
Property Address	14 DICK PHELPS RD, WATSONVILLE, CA 95076-1334
Document Number	0000020858
Instrument Date	Jul 5, 2018
Instrument	2018-0020858
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Relationship	Community Property with Right of Survivorship
Address	14 DICK PHELPS RD, WATSONVILLE, CA 95076-1334

Mortgage

Document Number	0000020859
Date	Jul 9, 2018
Instrument	2018-0020859

Lender

Name	MOUNTAIN WEST FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

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		$722,521 (+2%) Land $517,712 Building $204,809
2025	$9,806.00 (+13.14%)	$708,354 (+4.04%) Land $507,561 Building $200,793
2023	$8,667.00 (+2.51%)	$680,848 Land $487,852 Building $192,996	$589,410
2022	$8,455.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective July 10, 2019

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 98% of the US · lower than 98.4% of California
Wildfire Likelihood	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 100 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Cruzio Fixed Wireless	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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