174 Old Adobe Rd, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 174 Old Adobe Rd, Watsonville, CA 95076

Property Summary

Property Type	Recreational Vacant Land
Details	4 bd · 1 ba · 3,222 sqft · built 1902
Lot Size	3.03 acres (132,422 sqft)
Owner	2 Company Names on Record
Tax Bill	$1,234 (2025)
Deeds & Mortgages	Dec 2025 Reverse Mortgage Sep 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`049-501-04`

Property Details

APN / Parcel Number

Primary APN	`049-501-04`
Alternative APNs	`049-501-07-000` `04916114000` `04950104000` `049-501-07`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Building Area	3,222 sqft Gross Area

Exterior

Year Built	Built 1902
Effective Year Built	Effective 1902
Construction Type	Wood
Lot Area	132,422 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Old Parcel Number	04950104000
Street Address	174 OLD ADOBE RD
City	WATSONVILLE
State	CA
Zip	95076-8575
Property Category	Public Works
Property Type	Public Works > Recreational Vacant Land
Local Zoning Code	A
Legal Subdivision	SAN ANDREAS RHO
Legal Lot Number	3
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2022
Census Tract	122402

Owner

Source: Santa Cruz County records, as of August 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	174 OLD ADOBE RD, WATSONVILLE, CA 95076-8575
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2025	Intrafamily Transfer, Transfer · Reverse Mortgage MASON MCDUFFIE MORTGAGE CORP
Sep 10, 2021	Grant Deed, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
Aug 3, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
May 18, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 4, 1991
Transfer Doc	0000043717
Record Updated	Oct 29, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 30, 2025
Property Address	174 OLD ADOBE RD, WATSONVILLE, CA 95076-8575
Document Number	0000028895
Map Reference	VOL 470 PG 45
Instrument Date	Dec 24, 2025
Instrument	2025-0028895
Transaction Type	Transfer
Record Updated	Jan 14, 2026
Title Company	OLD REPUBLIC TITLE COMPANY

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	Family Trust
Address	174 OLD ADOBE RD, WATSONVILLE, CA 95076-8575

Mortgage

Document Number	0000028896
Date	Dec 30, 2025
Instrument	2025-0028896

Lender

Name	MASON MCDUFFIE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	901 Months
Due	Jan 26, 2101

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2026
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	10.2%

September 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 10, 2021
Property Address	174 OLD ADOBE RD, WATSONVILLE, CA 95076-8575
Document Number	0000046680
Instrument Date	Sep 2, 2021
Instrument	2021-0046680
Transaction Type	Transfer
Record Updated	Sep 5, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	160 OLD ADOBE RD, WATSONVILLE, CA 95076-8575

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 3, 2018
Property Address	174 OLD ADOBE RD, WATSONVILLE, CA 95076-8575
Document Number	0000023882
Instrument Date	May 30, 2018
Instrument	23882
Transaction Type	Transfer
Record Updated	Aug 13, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	174 OLD ADOBE RD WATSONVILLE CA 950768575, WATSONVILLE, CA 95076-8575

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 18, 2017
Property Address	174 OLD ADOBE RD, WATSONVILLE, CA 95076-8575
Document Number	0000016399
Instrument Date	Apr 7, 2017
Instrument	16399
Transaction Type	Transfer
Record Updated	May 30, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	174 OLD ADOBE RD WATSONVILLE CA 950768575, WATSONVILLE, CA 95076-8575

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		$35,359 (+2%) Land $25,030 Building $10,329
2025	$1,234.00 (+8.53%)	$34,665 (+4.04%) Land $24,539 Building $10,126
2023	$1,137.00	$33,319 Land $23,586 Building $9,733	$1,279,890

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	3 (2016–2023)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Mar 2023 · Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides

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	Moderate above 65% of the US · lower than 60% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250

May also be available: Cruzio, Etheric Networks.

Cell Coverage

5G (outdoors only) and 4G LTE

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