185 Arroyo Dr, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 185 Arroyo Dr, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,176 sqft · built 1973
Lot Size	0.179 acres (7,797 sqft)
Owner	2 Individual Names on File
Last Sale	$230,000 (Nov 2011)
Tax Bill	$4,897 (2025)
Deeds & Mortgages	Feb 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`051-543-18`

Property Details

APN / Parcel Number

Primary APN	`051-543-18`
Alternative APN	`051-543-18-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,176 sqft Living Area
Gross Area	1,638 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	7,797 sqft (0.179 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	185 ARROYO DR
City	WATSONVILLE
State	CA
Zip	95076-0955
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Description	TRACT 576 LOT 192
Legal Subdivision	MESA VLG SUB 7 #576
Legal Tract	576
Legal Lot Number	192
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	3
Census Block	3013
Census Tract	122500

Owner

185 Arroyo Dr is owned and occupied by two individuals who bought it in November 2011.

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

Owner of Record	2 Individual Names on File
Mailing Address	185 ARROYO DR, WATSONVILLE, CA 95076-0955
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 29, 2011 · Amount on File
Deed Sale	Nov 29, 2011 · Amount on File
Prior Sale	Jul 31, 1998 · Amount on File
Deed Document Number	201149234
Prior Transfer Date	Nov 15, 2006
Prior Transfer Doc	0000068192
Record Updated	Sep 20, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	185 ARROYO DR, WATSONVILLE, CA 95076-0955
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004271
Date	Feb 3, 2017
Instrument	2017-0004271

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 185 Arroyo Dr was $4,897.

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		$294,672 (+2%) Land $162,070 Building $132,602
2025	$4,897.00	$288,894 Land $158,892 Building $130,002
2023	$4,303.00 (+3.29%)	$277,676 Land $152,722 Building $124,954	$423,630
2022	$4,166.00

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

Flood

FEMA maps place 185 Arroyo Dr in Zone X, an area of minimal flood risk, though there have been 42 flood claims nearby since 1982.

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
Nearby Flood Claims	42 (1982–2023)
Claims Outside the SFHA	3 of 42
Most Recent Claim	Mar 2023 · Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 5 claims Severe Winter Storms, Flooding, And Mudslides, Jan 2017 · 5 claims Severe Winter Storms And Flooding, Feb 1998 · 5 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

Wildfire risk around 185 Arroyo Dr is low, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 77% of California
Wildfire Likelihood	0.07% 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	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 102 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Cruzio Fixed Wireless	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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