Santa Cruz County property record for 165 W Beach St, Watsonville, CA 95076
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,453 sqft · built 1900 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $429,000 (Mar 2017) |
| Tax Bill | $6,690 (2025) |
| Deeds & Mortgages | Oct 2025 Second Mortgage Jan 2022 Mortgage + 3 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 017-101-53 |
| Primary APN | 017-101-53 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,453 sqft Living Area |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1980 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 14,810 sqft (0.34 acres) |
| Heating System | Floor/Wall Furnace |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 165 W BEACH ST |
|---|---|
| City | WATSONVILLE |
| State | CA |
| Zip | 95076-4560 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | WATSONVILLE |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 110401 |
Source: Santa Cruz County records · APN 017-101-53
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 Individual Names on File |
|---|---|
| Mailing Address | 165 W BEACH ST, WATSONVILLE, CA 95076-4560 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Oct 20, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Jan 27, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Dec 29, 2020 | Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC |
| Mar 10, 2017 | Grant Deed, Transfer · FHA Mortgage ACADEMY MORTGAGE CORP |
| Mar 10, 2017 | Grant Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 10, 2017 · Amount on Record |
| Deed Sale | Mar 10, 2017 · Amount on Record |
| Prior Sale | Jul 28, 2004 · Amount on Record |
| Deed Document Number | 20178503 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 165 W BEACH ST, WATSONVILLE, CA 95076-4560 |
| Transaction Type | Mortgage |
| Record Updated | Nov 07, 2025 |
| Title Company | UNKNOWN, ROCKET CLOSE LLC |
| Name | Verified Name |
|---|---|
| Address | 165 W BEACH ST, WATSONVILLE, CA 95076-4560 |
| Document Number | 0000022314 |
|---|---|
| Date | Oct 20, 2025 |
| Instrument | 2025-0022314 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Nov 01, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 165 W BEACH ST, WATSONVILLE, CA 95076-4560 |
| Transaction Type | Mortgage |
| Record Updated | Feb 08, 2022 |
| Title Company | AMROCK TITLE CA INC, AMROCK TITLE CA |
| Name | Verified Name |
|---|---|
| Address | 165 W BEACH ST, WATSONVILLE, CA 95076-4560 |
| Document Number | 0000002671 |
|---|---|
| Date | Jan 27, 2022 |
| Instrument | 2022-0002671 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Feb 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 165 W BEACH ST, WATSONVILLE, CA 95076-4560 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | AMROCK TITLE |
| Name | Verified Name |
|---|---|
| Address | 165 W BEACH ST, WATSONVILLE, CA 95076-4560 |
| Document Number | 0000056956 |
|---|---|
| Date | Dec 29, 2020 |
| Instrument | 2020-0056956 |
| Name | NEWREZ LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | FORT WASHINGTON, PA 19034 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Mar 10, 2017 |
| Property Address | 165 W BEACH ST, WATSONVILLE, CA 95076-4560 |
| Document Number | 0000008503 |
| Instrument Date | Mar 06, 2017 |
| Instrument | 2017-0008503 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 165 W BEACH ST, WATSONVILLE, CA 95076-4560 |
| Document Number | 0000008504 |
|---|---|
| Date | Mar 10, 2017 |
| Instrument | 2017-0008504 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2047 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Mar 10, 2017 |
| Property Address | 165 W BEACH ST, WATSONVILLE, CA 95076-4560 |
| Document Number | 0000008502 |
| Instrument Date | Feb 13, 2017 |
| Instrument | 8502 |
| Transaction Type | Transfer |
| Record Updated | Nov 10, 2017 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Partnership |
| Address | PO BOX 220700 NEWHALL CA 913220700, NEWHALL, CA 91322-0700 |
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 | $507,850 (+2%) Land $304,710 Building $203,140 | ||
| 2025 | $6,690.00 (+12.95%) Homeowner's exemption | $497,890 (+4.04%) Land $298,734 Building $199,156 | |
| 2023 | $5,923.00 (+1.91%) Homeowner's exemption | $478,558 Land $287,134 Building $191,424 | $497,700 |
| 2022 | $5,812.00 |
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 X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AH, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 90 individual policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 92 units insured incl. 2 condo units |
| 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Cruzio Internet Fixed Wireless | 1,000 / 1,000 |
| Razzolink Fixed Wireless | 500 / 250 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
May also be available: Etheric Communications, LLC., Verizon.
Based on FCC filings for 464 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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