183 W Phillips Rd, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 183 W Phillips Rd, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,999 sqft · built 1965
Lot Size	0.155 acres (6,752 sqft)
Owner	Individual Name on File
Tax Bill	$5,069 (2025)
Deeds & Mortgages	Feb 2022 Line of Credit Feb 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`050-332-01`

Property Details

APN / Parcel Number

Primary APN	`050-332-01`
Alternative APN	`050-332-01-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	1,999 sqft Living Area

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	6,752 sqft (0.155 acres)

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	183 W PHILLIPS RD
City	WATSONVILLE
State	CA
Zip	95076-0769
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Description	TR 433
Legal Subdivision	SUNNY MEADOWS 1
Legal Tract	433
Legal Lot Number	29
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1001
Census Tract	123100

Owner

183 W Phillips Rd is owned and occupied by an individual who acquired it in February 2022.

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 File
Mailing Address	183 W PHILLIPS RD, WATSONVILLE, CA 95076-0769
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2022	Intrafamily Transfer, Transfer · Line of Credit BAY FCU
Feb 17, 2022	Affidavit of Death of Joint Tenant, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
Apr 24, 2017	Deed of Trust, Mortgage · Stand-Alone Second Mortgage BAY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 9, 2022
Transfer Doc	0000005461
Record Updated	Sep 20, 2026

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 17, 2022
Property Address	183 W PHILLIPS RD, WATSONVILLE, CA 95076-0769
Document Number	0000005462
Map Reference	MB 42 PG 40
Instrument Date	Feb 11, 2022
Instrument	2022-0005462
Transaction Type	Transfer
Record Updated	Mar 1, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN 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
Address	183 W PHILLIPS RD, WATSONVILLE, CA 95076-0769

Mortgage

Document Number	0000005463
Date	Feb 17, 2022
Instrument	2022-0005463

Lender

Name	BAY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	302 Months
Due	Apr 15, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 17, 2022
Property Address	183 W PHILLIPS RD, WATSONVILLE, CA 95076-0769
Document Number	0000005461
Map Reference	MB 42 PG 40
Instrument Date	Feb 9, 2022
Instrument	2022-0005461
Transaction Type	Transfer
Record Updated	Mar 1, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN 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
Address	183 W PHILLIPS RD, WATSONVILLE, CA 95076-0769

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	183 W PHILLIPS RD, WATSONVILLE, CA 95076-0769
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013495
Date	Apr 24, 2017
Instrument	2017-0013495

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 183 W Phillips Rd was $5,069.

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		$385,705 (+2%) Land $133,991 Building $251,714
2025	$5,069.00	$378,143 Land $131,364 Building $246,779
2023	$4,451.00 (+1.97%)	$363,459 Land $126,263 Building $237,196	$902,430
2022	$4,365.00

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

Flood

FEMA maps place 183 W Phillips Rd 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 183 W Phillips Rd is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 97% of California
Wildfire Likelihood	0.02% 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	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.

Nearby Properties on W Phillips Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures