18 Karen Dr, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 18 Karen Dr, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 4,920 sqft · built 1967
Lot Size	0.226 acres (9,845 sqft)
Owner	Individual Name on File
Last Sale	$800,000 (Aug 2018)
Tax Bill	$11,006 (2025)
Deeds & Mortgages	Jan 2023 Transfer Aug 2017 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`050-302-06`

Property Details

APN / Parcel Number

Primary APN	`050-302-06`
Alternative APN	`050-302-06-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	4,920 sqft Living Area
Gross Area	5,410 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	9,845 sqft (0.226 acres)
Garage Type	Attached
Garage Area	490 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	18 KAREN DR
City	WATSONVILLE
State	CA
Zip	95076-0714
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-9
Legal Subdivision	CORRALA VISTA 02 TR 419
Legal Lot Number	2
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1003
Census Tract	123100

Owner

18 Karen Dr is owned and occupied by an individual who acquired it in December 2022.

Source: Santa Cruz County records, as of August 19, 2026

Owner of Record	Individual Name on File
Mailing Address	18 KAREN DR, WATSONVILLE, CA 95076-0714
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2023	Intrafamily Transfer, Transfer
Aug 4, 2017	Deed of Trust, Mortgage · Conventional Mortgage FREMONT BANK
Sep 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC
Sep 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC
Oct 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Mar 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Aug 29, 2018	Grant Deed, Transfer FIRST AMERICAN TITLE
Jul 12, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 12, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 29, 2018 · Amount on File
Deed Sale	Aug 29, 2018 · Amount on File
Prior Sale	Nov 9, 2012 · Amount on File
Deed Document Number	201826464
Last Transfer Date	Dec 30, 2022
Transfer Doc	0000000353
Record Updated	Sep 20, 2026

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 9, 2023
Property Address	18 KAREN DR, WATSONVILLE, CA 95076-0714
Document Number	0000000353
Map Reference	MB 42 PG 20
Instrument Date	Dec 3, 2022
Instrument	2023-0000353
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Revocable Trust
Address	18 KAREN DR, WATSONVILLE, CA 95076-0714

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	18 KAREN DR, WATSONVILLE, CA 95076-0714
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025817
Date	Aug 4, 2017
Instrument	2017-0025817

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2047

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	18 KAREN DR, WATSONVILLE, CA 95076-0714
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	ER CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029528
Date	Sep 28, 2018
Instrument	2018-0029528

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	18 KAREN DR, WATSONVILLE, CA 95076-0714
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	FIRST AMERICAN TITL

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 KAREN DR, WATSONVILLE, CA 95076-0714

Mortgage

Document Number	0000037930
Date	Sep 24, 2020
Instrument	2020-0037930

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	18 KAREN DR, WATSONVILLE, CA 95076-0714
Document Number	0000034157
Instrument Date	Oct 30, 2019
Transaction Type	Mortgage
Record Updated	Nov 22, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 KAREN DR WATSONVILLE CA 950760714, WATSONVILLE, CA 95076-0714

Mortgage

Document Number	0000034157
Date	Nov 4, 2019
Instrument	34157

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 3, 2049

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	18 KAREN DR, WATSONVILLE, CA 95076-0714
Document Number	0000008374
Instrument Date	Mar 29, 2019
Transaction Type	Mortgage
Record Updated	Apr 18, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 KAREN DR WATSONVILLE CA 950760714, WATSONVILLE, CA 95076-0714

Mortgage

Document Number	0000008374
Date	Apr 3, 2019
Instrument	8374

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 2, 2049

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 29, 2018
Property Address	18 KAREN DR, WATSONVILLE, CA 95076-0714
Document Number	0000026464
Instrument Date	Aug 24, 2018
Instrument	26464
Transaction Type	Transfer
Record Updated	Sep 14, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$880.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 KAREN DR WATSONVILLE CA 950760714, WATSONVILLE, CA 95076-0714

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 12, 2018
Property Address	18 KAREN DR, WATSONVILLE, CA 95076-0714
Document Number	0000021271
Instrument Date	Jun 25, 2018
Instrument	21271
Transaction Type	Transfer
Record Updated	Jul 31, 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	Joint Tenants with Right of Survivorship
Address	PO BOX 1743 FREEDOM CA 950191743, FREEDOM, CA 95019-1743

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 12, 2018
Property Address	18 KAREN DR, WATSONVILLE, CA 95076-0714
Document Number	0000021272
Instrument Date	Jun 25, 2018
Instrument	21272
Transaction Type	Transfer
Record Updated	Jul 23, 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	Personal Trust
Address	PO BOX 1743 FREEDOM CA 950191743, FREEDOM, CA 95019-1743

Tax Assessment & Valuation

The 2025 property tax bill for 18 Karen Dr was $11,006 with a homeowner's exemption.

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		$910,264 (+2%) Land $455,132 Building $455,132
2025	$11,006.00 Homeowner's exemption	$892,416 Land $446,208 Building $446,208
2023	$9,725.00 (+1.85%) Homeowner's exemption	$857,762 Land $428,881 Building $428,881	$836,280
2022	$9,548.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 18 Karen Dr 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
Flood Insurance Cost	Premium on File median of 13 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	13 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

Wildfire risk around 18 Karen Dr is moderate, ranking above 46% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · lower than 72% of California
Wildfire Likelihood	0.1% annual chance
Exposure	None 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 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

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 144 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
Etheric Networks Fixed Wireless	250 / 100

May also be available: Cruzio, Verizon.

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