1603 E Lake Ave, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 1603 E Lake Ave, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,336 sqft · built 1932
Lot Size	0.143 acres (6,229 sqft)
Owner	2 Individual Names on Record
Last Sale	$770,000 (Jul 2022)
Tax Bill	$10,780 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Jun 2021 Mortgage + 2 more
Flood Zone	Zone AH (high risk)
APN	`048-242-06`

Property Details

APN / Parcel Number

Primary APN	`048-242-06`
Alternative APN	`048-242-06-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	1,336 sqft Living Area
Gross Area	1,736 sqft

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1950
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,229 sqft (0.143 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1603 E LAKE AVE
City	WATSONVILLE
State	CA
Zip	95076-2320
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Subdivision	J P NUGENTS 01
Legal Lot Number	2
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	3
Census Block	3000
Census Tract	110202

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	2 Individual Names on Record
Mailing Address	1603 E LAKE AVE, WATSONVILLE, CA 95076-2320
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2022	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jun 30, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage CORNERSTONE FIRST MORTGAGE INC
Aug 25, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage WESTSTAR MORTGAGE CORP
May 2, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2022 · Amount on Record
Deed Sale	Jul 29, 2022 · Amount on Record
Deed Document Number	202221935
Prior Transfer Date	Apr 10, 1997
Prior Transfer Doc	0000024153
Record Updated	Oct 29, 2026

July 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 29, 2022
Property Address	1603 E LAKE AVE, WATSONVILLE, CA 95076-2320
Document Number	0000021935
Map Reference	MB 23 PG 21
Instrument Date	Jul 21, 2022
Instrument	2022-0021935
Transaction Type	Transfer
Record Updated	Aug 8, 2022
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$847.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1603 E LAKE AVE, WATSONVILLE, CA 95076-2320

Mortgage

Document Number	0000021936
Date	Jul 29, 2022
Instrument	2022-0021936

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 30, 2021
Property Address	1603 E LAKE AVE, WATSONVILLE, CA 95076-2320
Document Number	0000035356
Map Reference	MB 23 PG 21
Instrument Date	Feb 8, 2021
Instrument	2021-0035356
Transaction Type	Transfer
Record Updated	Jul 15, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL AGENCY SLN

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	1603 E LAKE AVE, WATSONVILLE, CA 95076-2320

Mortgage

Document Number	0000035357
Date	Jun 30, 2021
Instrument	2021-0035357

Lender

Name	CORNERSTONE FIRST MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Mar 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	1603 E LAKE AVE, WATSONVILLE, CA 95076-2320
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1603 E LAKE AVE, WATSONVILLE, CA 95076-2320

Mortgage

Document Number	0000032765
Date	Aug 25, 2020
Instrument	2020-0032765

Lender

Name	WESTSTAR MORTGAGE CORP
Type	Mortgage Company
Address	ALBUQUERQUE, NM 87110

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	321 Months
Due	May 1, 2047

May 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	May 2, 2017
Property Address	1603 E LAKE AVE, WATSONVILLE, CA 95076-2320
Document Number	0000014593
Map Reference	MB23 PG21
Instrument Date	Apr 24, 2017
Instrument	2017-0014593
Transaction Type	Transfer
Record Updated	Aug 17, 2021

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
Address	1603 E LAKE AVE, WATSONVILLE, CA 95076-2320

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		$817,130 (+2%) Land $626,112 Building $191,018
2025	$10,780.00 (+10.52%)	$801,108 (+4.04%) Land $613,836 Building $187,272
2024	$9,754.00 (+1.61%)
2023	$9,599.00 (+122.04%)	$770,000 Land $590,000 Building $180,000	$714,330
2022	$4,323.00

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 · 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	8 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% 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 304 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
Etheric Networks Fixed Wireless	250 / 100
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, Verizon, Xfinity.

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