145 Elm St, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 145 Elm St, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,656 sqft · built 1949
Lot Size	0.204 acres (8,886 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,973 (2025)
Deeds & Mortgages	Jan 2022 Transfer Jan 2022 Mortgage
Flood Zone	Zone AH (high risk)
APN	`017-191-21`

Property Details

APN / Parcel Number

Primary APN	`017-191-21`
Alternative APN	`017-191-21-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Building Area	1,656 sqft Living Area
Gross Area	2,104 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Architectural Style	Duplex Single
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	8,886 sqft (0.204 acres)
Garage Type	Attached
Garage Area	448 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	145 ELM ST
City	WATSONVILLE
State	CA
Zip	95076-5022
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2007
Census Tract	110301

Owner

145 Elm St is owned and occupied by two individuals who acquired it in January 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	147 ELM ST, WATSONVILLE, CA 95076-5022
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2022	Affidavit of Death of Joint Tenant, Transfer LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY
Jan 12, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 6, 2022
Transfer Doc	0000001222
Record Updated	Sep 20, 2026

January 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 12, 2022
Property Address	145 ELM ST, WATSONVILLE, CA 95076-5022
Document Number	0000001221
Instrument Date	Jan 6, 2022
Instrument	2022-0001221
Transaction Type	Transfer
Record Updated	Sep 5, 2023
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS 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	Joint Tenants
Address	147 ELM ST, WATSONVILLE, CA 95076-5022

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 12, 2022
Property Address	145 ELM ST, WATSONVILLE, CA 95076-5022
Document Number	0000001222
Instrument Date	Jan 6, 2022
Instrument	2022-0001222
Transaction Type	Transfer
Record Updated	Sep 5, 2023
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS 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
Address	147 ELM ST, WATSONVILLE, CA 95076-5022

Mortgage

Document Number	0000001223
Date	Jan 12, 2022
Instrument	2022-0001223

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 145 Elm St was $2,973 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
Municipality	Watsonville City
Unified School District	Pajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$190,060 (+2%) Land $82,876 Building $107,184
2025	$2,973.00 Homeowner's exemption	$186,334 Land $81,252 Building $105,082
2023	$2,612.00 (+2.27%) Homeowner's exemption	$179,098 Land $78,096 Building $101,002
2022	$2,554.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 145 Elm St in Zone AH, 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 AH high risk · shallow ponding 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 105 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	109 units insured incl. 4 condo units
Nearby Flood Claims	7 (2022–2023)
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 7 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

The area around 145 Elm St 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.

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 427 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Cruzio Fixed Wireless	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Etheric Networks, T-Mobile.

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