Santa Cruz County property record for 151 Elm St, Watsonville, CA 95076
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,531 sqft · built 1880 |
| Lot Size | 0.182 acres (7,928 sqft) |
| Owner | 2 Company Names on File |
| Tax Bill | $3,368 (2025) |
| Deeds & Mortgages | Jun 2026 Sale Nov 2022 Mortgage + 1 more |
| Flood Zone | Zone AH (high risk) |
| APN | 017-191-20 |
| Primary APN | 017-191-20 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Building Area | 1,531 sqft Living Area |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1960 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 7,928 sqft (0.182 acres) |
| Deck Area | 272 sqft |
| Patio Area | 272 sqft |
| Heating System | HVAC |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 151 ELM ST |
|---|---|
| City | WATSONVILLE |
| State | CA |
| Zip | 95076-5022 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | BOLSA DEL PAJARO RHO |
| Legal Lot Number | 70 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | WATSONVILLE |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 110301 |
Source: Santa Cruz County records · APN 017-191-20
Assessment roll updated August 19, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 151 ELM ST, WATSONVILLE, CA 95076-5022 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| Jun 16, 2026 | Grant Deed, Transfer NONE LISTED ON DOCUMENT |
| Nov 23, 2022 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Aug 22, 2018 | Deed of Trust, Mortgage · Conventional Mortgage VELOCITY COM'L CAP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Jul 21, 2000 |
| Transfer Doc | 0000038287 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Jun 16, 2026 |
| Property Address | 151 ELM ST, WATSONVILLE, CA 95076-5022 |
| Document Number | 0000013553 |
| Instrument Date | Apr 22, 2026 |
| Instrument | 202613553 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Tenant |
| Address | 151 ELM ST, WATSONVILLE, CA 95076-5022 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 151 ELM ST, WATSONVILLE, CA 95076-5022 |
| Transaction Type | Mortgage |
| Record Updated | Dec 06, 2022 |
| Title Company | FIRST AMERICAN TIT |
| Name | Verified Name |
|---|---|
| Address | 151 ELM ST, CORRALITOS, CA 95076-5022 |
| Document Number | 0000031393 |
|---|---|
| Date | Nov 23, 2022 |
| Instrument | 2022-0031393 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 151 ELM ST, WATSONVILLE, CA 95076-5022 |
| Document Number | 0000026254 |
| Instrument Date | Aug 22, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2018 |
| Title Company | NORTH AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 12 ALEXANDER ST WATSONVILLE CA 950764609, WATSONVILLE, CA 95076-4609 |
| Document Number | 0000026254 |
|---|---|
| Date | Aug 28, 2018 |
| Instrument | 26254 |
| Name | VELOCITY COM'L CAP |
|---|---|
| Type | Funding / Finance Company |
| Address | WESTLAKE VILLAGE, CA 91362 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Municipality | Watsonville City |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $225,193 (+2%) Land $168,895 Building $56,298 | ||
| 2025 | $3,368.00 (+13.63%) Homeowner's exemption | $220,778 (+4.04%) Land $165,584 Building $55,194 | |
| 2023 | $2,964.00 (+2.21%) Homeowner's exemption | $212,204 Land $159,154 Building $53,050 | $391,950 |
| 2022 | $2,900.00 |
Source: FEMA National Flood Hazard Layer as of July 10, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 Record 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 |
|
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Cruzio Internet 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 Communications, LLC., T-Mobile USA.
Based on FCC filings for 427 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF WATSONVILLE serves 65,231 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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