Santa Cruz County property record for 163 Elm St, Watsonville, CA 95076
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,704 sqft · built 1949 |
| Lot Size | 0.148 acres (6,447 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,884 (2025) |
| Deeds & Mortgages | Dec 2019 Transfer |
| Flood Zone | Zone AH (high risk) |
| APN | 017-191-17 |
| Primary APN | 017-191-17 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 10 Rooms |
| Building Area | 2,704 sqft Living Area |
| Gross Area | 3,280 sqft |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Architectural Style | Duplex Single |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 6,447 sqft (0.148 acres) |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Total Buildings | 2 Buildings |
| Heating System | HVAC |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 163 ELM ST, A |
|---|---|
| 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 |
163 Elm St is owned and occupied by two individuals who acquired it in December 2019.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 1025, WATSONVILLE, CA 95077-1025 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Dec 20, 2019 |
| Transfer Doc | 0000040487 |
| Record Updated | Sep 20, 2026 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Dec 20, 2019 |
| Property Address | 163 ELM ST, WATSONVILLE, CA 95076-5022 |
| Document Number | 0000040487 |
| Instrument Date | Dec 20, 2019 |
| Instrument | 40487 |
| Record Updated | Jan 14, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | PO BOX 1025 WATSONVILLE CA 950771025, WATSONVILLE, CA 95077-1025 |
The 2025 property tax bill for 163 Elm St was $1,884 with a homeowner's exemption.
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Municipality | Watsonville City |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $103,084 (+2%) Land $27,440 Building $75,644 | |
| 2025 | $1,884.00 Homeowner's exemption | $101,062 Land $26,900 Building $74,162 |
| 2023 | $1,637.00 (+2.57%) Homeowner's exemption | $97,138 Land $25,856 Building $71,282 |
| 2022 | $1,596.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 163 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 |
|
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.
The area around 163 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.
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 |
| 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.
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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