181 Hidden Moon Rd, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 181 Hidden Moon Rd, Watsonville, CA 95076

Property Summary

Property Type	Recreational Vacant Land
Details	3 bd · 2 ba · 1,578 sqft · built 1963
Lot Size	1.38 acres (60,113 sqft)
Owner	Individual Name on Record
Last Sale	$625,000 (Mar 2017)
Tax Bill	$9,205 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`107-401-05`

Property Details

APN / Parcel Number

Primary APN	`107-401-05`
Alternative APN	`107-401-05-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,578 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 2007
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	60,113 sqft
Terrain	Steep
Garage Type	Attached
Garage Area	458 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	181 HIDDEN MOON RD
City	WATSONVILLE
State	CA
Zip	95076-0194
Property Category	Public Works
Property Type	Public Works > Recreational Vacant Land
Local Zoning Code	RA
Legal Subdivision	LANDS/GORDON E LARSON
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1001
Census Tract	122402

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 Record	Individual Name on Record
Mailing Address	181 HIDDEN MOON RD, WATSONVILLE, CA 95076-0194
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Apr 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Nov 2, 2017	Deed of Trust, Mortgage · Conventional with PMI MONEY SOURCE
Mar 3, 2017	Grant Deed, Transfer · FHA Mortgage OPES ADVISORS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2017 · Amount on Record
Deed Sale	Mar 3, 2017 · Amount on Record
Prior Sale	May 22, 2015 · Amount on Record
Deed Document Number	20177582
Prior Transfer Date	Sep 14, 2007
Prior Transfer Doc	0000055637
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	181 HIDDEN MOON RD, WATSONVILLE, CA 95076-0194
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 HIDDEN MOON RD, WATSONVILLE, CA 95076-0194

Mortgage

Document Number	0000058606
Date	Dec 1, 2021
Instrument	2021-0058606

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	181 HIDDEN MOON RD, WATSONVILLE, CA 95076-0194
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014178
Date	Apr 24, 2020
Instrument	2020-0014178

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	WATSONVILLE, CA 95076

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	181 HIDDEN MOON RD, WATSONVILLE, CA 95076-0194
Document Number	0000037565
Instrument Date	Nov 2, 2017
Transaction Type	Mortgage
Record Updated	Dec 6, 2017
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	181 HIDDEN MOON RD CORRALITOS CA 950760194, CORRALITOS, CA 95076-0194

Mortgage

Document Number	0000037565
Date	Nov 7, 2017
Instrument	37565

Lender

Name	MONEY SOURCE
Type	Funding / Finance Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	336 Months
Due	Nov 6, 2045

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 3, 2017
Property Address	181 HIDDEN MOON RD, WATSONVILLE, CA 95076-0194
Document Number	0000007582
Instrument Date	Feb 28, 2017
Instrument	7582
Transaction Type	Transfer
Record Updated	Mar 21, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$687.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	181 HIDDEN MOON RD CORRALITOS CA 950760194, CORRALITOS, CA 95076-0194

Mortgage

Document Number	7583
Date	Mar 3, 2017
Instrument	7583

Lender

Name	OPES ADVISORS
Address	CUPERTINO, CA 95014

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 2, 2047

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		$739,873 (+2%) Land $473,519 Building $266,354
2025	$9,205.00 (+9.6%)	$725,366 (+4.04%) Land $464,234 Building $261,132
2023	$8,399.00 (+1.99%)	$697,200 Land $446,208 Building $250,992	$709,020
2022	$8,235.00

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	6 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 Risk	Moderate above 58% of the US · lower than 65% of California
Wildfire Likelihood	0.1% 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Razzolink Fixed Wireless	500 / 250

Cell Coverage

4G LTE (outdoors only), no 5G reported

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