19 Tharp Ave, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 19 Tharp Ave, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,240 sqft · built 1930
Lot Size	0.172 acres (7,492 sqft)
Owner	Individual Name on File
Last Sale	$362,500 (May 2013)
Tax Bill	$5,711 (2025)
Deeds & Mortgages	Nov 2025 Second Mortgage Sep 2023 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`018-202-23`

Property Details

APN / Parcel Number

Primary APN	`018-202-23`
Alternative APN	`018-202-23-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,240 sqft Living Area
Gross Area	2,360 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1960
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	7,492 sqft (0.172 acres)
Garage Type	Attached
Garage Area	1,120 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	19 THARP AVE
City	WATSONVILLE
State	CA
Zip	95076-4051
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	A018 20
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1002
Census Tract	110201

Owner

19 Tharp Ave is owned and occupied by an individual who acquired it in October 2020.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 1523, APTOS, CA 95001-1523
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 14, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Sep 26, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NATIONSTAR MORTGAGE LLC
Jan 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION
Nov 5, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2013 · Amount on File
Deed Sale	May 15, 2013 · Amount on File
Prior Sale	Jul 20, 2009 · Amount on File
Deed Document Number	201324345
Last Transfer Date	Oct 30, 2020
Transfer Doc	0000046430
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	19 THARP AVE, WATSONVILLE, CA 95076-4051
Transaction Type	Mortgage
Record Updated	Nov 27, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 THARP AVE, WATSONVILLE, CA 95076-4051

Mortgage

Document Number	0000024420
Date	Nov 14, 2025
Instrument	2025-0024420

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2045

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	19 THARP AVE, WATSONVILLE, CA 95076-4051
Transaction Type	Mortgage
Record Updated	Oct 11, 2023
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 THARP AVE, WATSONVILLE, CA 95076-4051

Mortgage

Document Number	0000018298
Date	Sep 26, 2023
Instrument	2023-0018298

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2043

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	19 THARP AVE, WATSONVILLE, CA 95076-4051
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003636
Date	Jan 31, 2020
Instrument	2020-0003636

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2040

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 5, 2020
Property Address	19 THARP AVE, WATSONVILLE, CA 95076-4051
Document Number	0000046430
Instrument Date	Oct 30, 2020
Instrument	2020-0046430
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	ORANGE COAST TTL CO OF NOCAL

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	PO BOX 1523, APTOS, CA 95001-1523

Mortgage

Document Number	0000046431
Date	Nov 5, 2020
Instrument	2020-0046431

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 19 Tharp Ave was $5,711 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
Municipality	Watsonville City
Unified School District	Pajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$455,321 (+2%) Land $273,193 Building $182,128
2025	$5,711.00 Homeowner's exemption	$446,393 Land $267,836 Building $178,557
2023	$5,029.00 (+1.82%) Homeowner's exemption	$429,059 Land $257,435 Building $171,624	$572,220
2022	$4,939.00

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

Flood

FEMA maps place 19 Tharp Ave 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 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

The area around 19 Tharp Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 823 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	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: GeoLinks.

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