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172 W Phillips Rd, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 172 W Phillips Rd, Watsonville, CA 95076

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,441 sqft · built 1950
Lot Size0.169 acres (7,362 sqft)
Owner2 Individual Names on Record
Last Sale$975,000 (Feb 2026)
Tax Bill$1,444 (2025)
Deeds & MortgagesFeb 2026 Mortgage
Feb 2026 Sale
Flood ZoneZone X (minimal risk)
APN050-331-18

Property Details

APN / Parcel Number

Primary APN050-331-18
Alternative APN
  • 050-331-18-000

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms7 Rooms
Building Area1,441 sqft Living Area
Gross Area1,925 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1950
Effective Year BuiltEffective 1950
Construction TypeWood
Roof MaterialComposition Shingle
Lot Area7,362 sqft (0.169 acres)
Garage TypeAttached
Garage Area484 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerSeptic
Water SourceCommercial

Location & Zoning

Street Address172 W PHILLIPS RD
CityWATSONVILLE
StateCA
Zip95076-0720
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-1-6
Legal SubdivisionSUNNY MEADOWS SUBDIVISION NO . 1
Legal Lot Number17,18
JurisdictionSANTA CRUZ CA
Township / Civil DivisionWATSONVILLE
Census Block Group1
Census Block1002
Census Tract123100

Owner

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 Record2 Individual Names on Record
Mailing Address172 W PHILLIPS RD, WATSONVILLE, CA 95076-0720
OccupancyOwner Occupied
Owner TypeIndividual
VestingCommunity Property

Deeds, Mortgages & Sale History

DateDocument
Feb 10, 2026Deed of Trust, Mortgage · Conventional Mortgage
NMSI INC
Feb 10, 2026Grant Deed, Transfer
OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 10, 2026 · Amount on Record
Deed SaleFeb 10, 2026 · Amount on Record
Deed Document Number20263011
Prior Transfer DateFeb 3, 2026
Prior Transfer Doc0000003010
Record UpdatedSep 20, 2026

February 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address172 W PHILLIPS RD, WATSONVILLE, CA 95076-0720
Transaction TypeMortgage
Record UpdatedFeb 25, 2026
Title CompanyOLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000003012
DateFeb 10, 2026
Instrument2026-0003012
Lender
NameNMSI INC
TypeMortgage Company
AddressLOS ANGELES, CA 90010
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 1, 2056

February 2026: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSANTA CRUZ CA
Recording DateFeb 10, 2026
Property Address172 W PHILLIPS RD, WATSONVILLE, CA 95076-0720
Document Number0000003011
Map ReferenceMB 42 PG 40
Instrument DateFeb 5, 2026
Instrument2026-0003011
Transaction TypeTransfer
Record UpdatedFeb 25, 2026
Title CompanyOLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

AmountAmount Recorded
Tax$1,072.50
Amount AccuracyRounded by County
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property with Right of Survivorship
Address172 W PHILLIPS RD, WATSONVILLE, CA 95076-0720

Tax Assessment & Valuation

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
Unified School DistrictPajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$69,823 (+2%) Land $13,670 Building $56,153
2025$1,444.00 (+21.96%)$68,454 (+4.04%) Land $13,402 Building $55,052
2024$1,184.00 (+2.69%)
2023$1,153.00 (+2.76%) Homeowner's exemption$65,796 Land $12,882 Building $52,914$758,430
2022$1,122.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 13 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies13 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 RiskLow
lower than 95% of the US · lower than 97% of California
Wildfire Likelihood0.02% annual chance
ExposureNone
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 SystemCITY OF WATSONVILLE
serves 65,231 people · EPA ID CA4410011
Water SourceSurface water
Last State InspectionJul 2023
Lead1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 144 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000
Cruzio
Fixed Wireless		1,000 / 1,000
Razzolink
Fixed Wireless		500 / 250
Etheric Networks
Fixed Wireless		250 / 100

May also be available: Verizon.

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