150 Howell Ln, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 150 Howell Ln, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,239 sqft · built 1978
Lot Size	1.6 acres (69,783 sqft)
Owner	2 Individual Names on File
Last Sale	$600,000 (Jan 2001)
Tax Bill	$14,369 (2025)
Deeds & Mortgages	Jan 2022 Transfer Jun 2017 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`107-251-22`

Property Details

APN / Parcel Number

Primary APN	`107-251-22`
Alternative APN	`107-251-22-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Building Area	3,239 sqft Living Area
Gross Area	4,199 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	69,783 sqft
Terrain	Steep
View / Lot	Mountain
Garage Type	Attached
Garage Area	960 sqft
Parking Spaces	4 Parking Spaces
Deck Area	884 sqft
Patio Area	884 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	150 HOWELL LN
City	WATSONVILLE
State	CA
Zip	95076-0208
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Subdivision	LANDS OF FORD WILSON & CARPENTER
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1002
Census Tract	122402

Owner

150 Howell Ln 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	150 HOWELL LN, WATSONVILLE, CA 95076-0208
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 28, 2022	Intrafamily Transfer, Transfer
Jun 7, 2017	Deed of Trust, Mortgage · Line of Credit TCF NATIONAL BANK
Sep 10, 2019	Deed of Trust, Mortgage · Line of Credit PACIFIC SVC CU
Aug 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage PACIFIC SVC CU
Apr 14, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage PACIFIC TRUST MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 5, 2001 · Amount on File
Deed Sale	Jan 5, 2001 · Amount on File
Deed Document Number	2001785
Last Transfer Date	Jan 22, 2022
Transfer Doc	0000002957
Record Updated	Sep 20, 2026

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 28, 2022
Property Address	150 HOWELL LN, WATSONVILLE, CA 95076-0208
Document Number	0000002957
Map Reference	VOL 21 PG 46
Instrument Date	Jan 22, 2022
Instrument	2022-0002957
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Family Trust
Address	150 HOWELL LN, WATSONVILLE, CA 95076-0208

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	150 HOWELL LN, WATSONVILLE, CA 95076-0208
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018637
Date	Jun 7, 2017
Instrument	2017-0018637

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	May 23, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	150 HOWELL LN, WATSONVILLE, CA 95076-0208
Document Number	0000028713
Instrument Date	Sep 10, 2019
Transaction Type	Mortgage
Record Updated	Oct 9, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	150 HOWELL LN WATSONVILLE CA 950760208, WATSONVILLE, CA 95076-0208

Mortgage

Document Number	0000028713
Date	Sep 23, 2019
Instrument	28713

Lender

Name	PACIFIC SVC CU
Address	CONCORD, CA 94519

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 22, 2044

Interest

Rate Type	Adjustable Rate

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	150 HOWELL LN, WATSONVILLE, CA 95076-0208
Document Number	0000024855
Instrument Date	Aug 19, 2019
Transaction Type	Mortgage
Record Updated	Sep 13, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	150 HOWELL LN WATSONVILLE CA 950760208, WATSONVILLE, CA 95076-0208

Mortgage

Document Number	0000024855
Date	Aug 27, 2019
Instrument	24855

Lender

Name	PACIFIC SVC CU
Address	CONCORD, CA 94519

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 26, 2034

April 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 14, 2017
Property Address	150 HOWELL LN, WATSONVILLE, CA 95076-0208
Document Number	0000012453
Map Reference	VOL21 PG46
Instrument Date	Apr 3, 2017
Instrument	2017-0012453
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
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	150 HOWELL LN, WATSONVILLE, CA 95076-0208

Mortgage

Document Number	0000012454
Date	Apr 14, 2017
Instrument	2017-0012454

Lender

Name	PACIFIC TRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 150 Howell Ln was $14,369 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		$1,210,737 (+2%) Land $527,188 Building $683,549
2025	$14,369.00 Homeowner's exemption	$1,186,997 Land $516,851 Building $670,146
2023	$13,149.00 (+1.92%) Homeowner's exemption	$1,140,904 Land $496,781 Building $644,123	$1,209,600
2022	$12,901.00

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

Flood

FEMA maps place 150 Howell Ln in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	6 in force

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 150 Howell Ln is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 56% of the US · lower than 67% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
Etheric Networks Fixed Wireless	250 / 100

May also be available: Cruzio.

Cell Coverage

5G (outdoors only) and 4G LTE

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