Santa Cruz County property record for 164 Arthur Rd, Watsonville, CA 95076
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,674 sqft · built 1975 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $950,000 (Feb 2025) |
| Tax Bill | $8,814 (2025) |
| Deeds & Mortgages | May 2021 Line of Credit Jan 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 016-611-02 |
| Primary APN | 016-611-02 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 1,674 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1997 |
| Construction Type | Wood |
| Roof Type | Sawtooth |
| Roof Material | Composition Shingle |
| Lot Area | 14,810 sqft (0.34 acres) |
| Terrain | Steep |
| Pool Type | Pool with Hot Tub/Spa |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 164 ARTHUR RD |
|---|---|
| City | WATSONVILLE |
| State | CA |
| Zip | 95076-2606 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | LANDS/HAROLD E JOHNSON |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | WATSONVILLE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 110505 |
164 Arthur Rd is owned and occupied by two individuals who bought it in February 2025.
Source: Santa Cruz County records, as of August 19, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 164 ARTHUR RD, WATSONVILLE, CA 95076-2606 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| May 11, 2021 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Jan 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| May 16, 2017 | Grant Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 28, 2025 · Amount on File |
| Deed Sale | Feb 28, 2025 · Amount on File |
| Prior Sale | May 16, 2017 · Amount on File |
| Deed Document Number | 20253756 |
| Prior Transfer Date | Oct 20, 2014 |
| Prior Transfer Doc | 0000035247 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 164 ARTHUR RD, WATSONVILLE, CA 95076-2606 |
| Transaction Type | Mortgage |
| Record Updated | May 27, 2021 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 164 ARTHUR RD, WATSONVILLE, CA 95076-2606 |
| Document Number | 0000026846 |
|---|---|
| Date | May 11, 2021 |
| Instrument | 2021-0026846 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Apr 19, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 164 ARTHUR RD, WATSONVILLE, CA 95076-2606 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 164 ARTHUR RD, WATSONVILLE, CA 95076-2606 |
| Document Number | 0000005089 |
|---|---|
| Date | Jan 28, 2021 |
| Instrument | 2021-0005089 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | May 16, 2017 |
| Property Address | 164 ARTHUR RD, WATSONVILLE, CA 95076-2606 |
| Document Number | 0000016128 |
| Map Reference | VOL18 PG17 |
| Instrument Date | May 1, 2017 |
| Instrument | 2017-0016128 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 164 ARTHUR RD, WATSONVILLE, CA 95076-2606 |
| Document Number | 0000016129 |
|---|---|
| Date | May 16, 2017 |
| Instrument | 2017-0016129 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2047 |
The 2025 property tax bill for 164 Arthur Rd was $8,814 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 | Assessed Market Value |
|---|---|---|---|
| 2026 | $968,898 (+39.37%) Land $622,098 Building $346,800 | ||
| 2025 | $8,814.00 Homeowner's exemption | $695,191 Land $417,115 Building $278,076 | |
| 2023 | $7,801.00 (+1.79%) Homeowner's exemption | $668,196 Land $400,918 Building $267,278 | $612,630 |
| 2022 | $7,664.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 164 Arthur Rd 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 | 5 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.
The area around 164 Arthur Rd 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 512 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, T-Mobile, Verizon.
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