185 Larkin Rdg, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 185 Larkin Rdg, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 4,056 sqft · built 1989
Lot Size	1.91 acres (83,635 sqft)
Owner	2 Trust Names on File
Last Sale	$1,680,000 (Oct 2014)
Tax Bill	$24,116 (2025)
Deeds & Mortgages	Oct 2019 Transfer Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`041-301-34`

Property Details

APN / Parcel Number

Primary APN	`041-301-34`
Alternative APN	`041-301-34-000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Building Area	4,056 sqft Living Area
Gross Area	4,832 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2010
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	83,635 sqft
Terrain	Steep
View / Lot	Ocean
Garage Type	Attached
Garage Area	776 sqft
Parking Spaces	3 Parking Spaces
Deck Area	618 sqft
Patio Area	618 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	185 LARKIN RDG
City	WATSONVILLE
State	CA
Zip	95076-8501
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	TR 1048
Legal Subdivision	LARKIN RDG TR 1048
Legal Tract	1048
Legal Lot Number	1
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2006
Census Tract	122402

Owner

Source: Santa Cruz County assessment roll, 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 Trust Names on File
Mailing Address	185 LARKIN RDG, WATSONVILLE, CA 95076-8501
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2019	Quit Claim Deed, Transfer OLD REPUBLIC TITLE
Sep 20, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage BAY FCU
Dec 21, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 7, 2014 · Amount on Record
Deed Sale	Oct 7, 2014 · Amount on Record
Prior Sale	Aug 11, 2010 · Amount on Record
Deed Document Number	201433524
Last Transfer Date	Sep 16, 2019
Transfer Doc	0000029926
Record Updated	Sep 20, 2026

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 1, 2019
Property Address	185 LARKIN RDG, WATSONVILLE, CA 95076-8501
Document Number	0000029926
Instrument Date	Sep 16, 2019
Instrument	29926
Transaction Type	Transfer
Record Updated	Oct 18, 2019
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	185 LARKIN RDG WATSONVILLE CA 950768501, WATSONVILLE, CA 95076-8501

September 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 20, 2019
Property Address	185 LARKIN RDG, WATSONVILLE, CA 95076-8501
Document Number	0000028590
Map Reference	VOL 75 MAP 53
Instrument Date	Sep 16, 2019
Instrument	2019-0028590
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC 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
Relationship	Joint Tenants
Address	185 LARKIN RDG, WATSONVILLE, CA 95076-8501

Mortgage

Document Number	0000028591
Date	Sep 20, 2019
Instrument	2019-0028591

Lender

Name	BAY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2034

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 21, 2017
Property Address	185 LARKIN RDG, WATSONVILLE, CA 95076-8501
Document Number	0000043423
Instrument Date	Dec 15, 2017
Instrument	43423
Transaction Type	Transfer
Record Updated	Jan 17, 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	185 LARKIN RDG WATSONVILLE CA 950768501, WATSONVILLE, CA 95076-8501

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		$2,067,447 (+2.39%) Land $1,262,664 Building $804,783
2025	$24,116.00 (+12.74%) Homeowner's exemption	$2,019,109 (+4.04%) Land $1,237,906 Building $781,203
2023	$21,391.00 (+1.77%) Homeowner's exemption	$1,940,705 Land $1,189,837 Building $750,868	$2,336,220
2022	$21,018.00

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	9 in force
Nearby Flood Claims	3 (2016–2023)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Mar 2023 · Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides

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 53% of the US · lower than 68% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Razzolink Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Etheric Communications, LLC., Spectrum, Xfinity.

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