188 Alta Dr, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 188 Alta Dr, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,223 sqft · built 1961
Lot Size	0.468 acres (20,386 sqft)
Owner	2 Individual Names on File
Last Sale	$690,000 (Jan 2015)
Tax Bill	$10,215 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit Jan 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`045-361-11`

Property Details

APN / Parcel Number

Primary APN	`045-361-11`
Alternative APN	`045-361-11-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Building Area	2,223 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Construction Type	Wood
Roof Material	Other
Lot Area	20,386 sqft (0.468 acres)
Terrain	Steep
Garage Type	Carport
Garage Area	377 sqft
Carport	Carport
Carport Area	377 sqft
Parking Spaces	1 Parking Space
Deck Area	506 sqft
Patio Area	506 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	188 ALTA DR
City	WATSONVILLE
State	CA
Zip	95076-1644
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-9
Legal Subdivision	LA SELVA ACRES/SAN ANDREAS RHO
Legal Lot Number	3
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	3
Census Block	3018
Census Tract	122300

Owner

188 Alta Dr is owned and occupied by two individuals who bought it in January 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	188 ALTA DR, WATSONVILLE, CA 95076-1644
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Sep 1, 2021	Deed of Trust, Mortgage · Line of Credit BAY FCU
Jan 10, 2017	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Feb 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Oct 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 9, 2015 · Amount on File
Deed Sale	Jan 9, 2015 · Amount on File
Deed Document Number	2015774
Prior Transfer Date	Jun 19, 2006
Prior Transfer Doc	0000037876
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	188 ALTA DR, WATSONVILLE, CA 95076-1644
Transaction Type	Mortgage
Record Updated	Sep 23, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TIT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 ALTA DR, WATSONVILLE, CA 95076-1644

Mortgage

Document Number	0000045308
Date	Sep 1, 2021
Instrument	2021-0045308

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Oct 15, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	188 ALTA DR, WATSONVILLE, CA 95076-1644
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001172
Date	Jan 10, 2017
Instrument	2017-0001172

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 30, 2047

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	188 ALTA DR, WATSONVILLE, CA 95076-1644
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006879
Date	Feb 27, 2020
Instrument	2020-0006879

Lender

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

Agreement

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

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	188 ALTA DR, WATSONVILLE, CA 95076-1644
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 ALTA DR, WATSONVILLE, CA 95076-1644

Mortgage

Document Number	0000040857
Date	Oct 9, 2020
Instrument	2020-0040857

Lender

Name	OWNING CORPORATION
Type	Non-Lending Institution
Address	ORANGE, CA 92868

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 188 Alta Dr was $10,215 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		$845,863 (+2%) Land $592,104 Building $253,759
2025	$10,215.00 Homeowner's exemption	$829,277 Land $580,494 Building $248,783
2023	$9,022.00 (+1.83%) Homeowner's exemption	$797,076 Land $557,953 Building $239,123	$1,129,950
2022	$8,860.00

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

Flood

FEMA maps place 188 Alta Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1998.

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	4 in force
Nearby Flood Claims	2 (1998)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Apr 1998 · Severe Winter Storms And Flooding
Claims by Event	Severe Winter Storms And Flooding, Apr 1998 · 2 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 188 Alta Dr is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 79% of California
Wildfire Likelihood	0.04% 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	SOQUEL CREEK WATER DISTRICT serves 40,962 people · EPA ID CA4410017
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
Lead	2 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 429 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	1,200 / 35
Razzolink Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Cruzio, Etheric Networks, GeoLinks.

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