176 Alta Dr, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 176 Alta Dr, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 1966
Lot Size	0.147 acres (6,403 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,522 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Aug 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`045-361-15`

Property Details

APN / Parcel Number

Primary APN	`045-361-15`
Alternative APN	`045-361-15-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,344 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	6,403 sqft (0.147 acres)
Terrain	Steep
Garage Type	Carport
Garage Area	180 sqft
Carport	Carport
Carport Area	180 sqft
Deck Area	546 sqft
Patio Area	546 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	176 ALTA DR
City	WATSONVILLE
State	CA
Zip	95076-1644
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-9
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	3
Census Block	3018
Census Tract	122300

Owner

Source: Santa Cruz County records, as of August 19, 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 Record
Mailing Address	176 ALTA DR, WATSONVILLE, CA 95076-1644
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2023	Deed of Trust, Mortgage · Line of Credit BAY FCU
Aug 31, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	176 ALTA DR, WATSONVILLE, CA 95076-1644
Transaction Type	Mortgage
Record Updated	Jul 14, 2023
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	176 ALTA DR, LA SELVA BEACH, CA 95076-1644

Mortgage

Document Number	0000011695
Date	Jun 28, 2023
Instrument	2023-0011695

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	302 Months
Due	Aug 15, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	176 ALTA DR, WATSONVILLE, CA 95076-1644
Document Number	0000030119
Instrument Date	Aug 31, 2018
Transaction Type	Mortgage
Record Updated	Oct 22, 2018
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	176 ALTA DR LA SELVA BEACH CA 950761644, LA SELVA BEACH, CA 95076-1644

Mortgage

Document Number	0000030119
Date	Oct 3, 2018
Instrument	30119

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$88,286 (+2%) Land $24,896 Building $63,390
2025	$1,522.00 (+17.44%) Homeowner's exemption	$86,555 (+4.04%) Land $24,408 Building $62,147
2023	$1,296.00 (+2.45%) Homeowner's exemption	$83,194 Land $23,460 Building $59,734	$1,227,690
2022	$1,265.00

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	4 in force
Nearby Flood Claims	2 (1998)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Apr 1998 · Severe Winter Storms And Flooding
Claims by Event	Severe Winter Storms And Flooding, Apr 1998 · 2 claims

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	Low lower than 65% of the US · lower than 79% of California
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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 System	SOQUEL CREEK WATER DISTRICT serves 40,962 people · EPA ID CA4410017
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 429 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	1,200 / 35
Razzolink Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Cruzio, Etheric Networks, GeoLinks.

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