Santa Cruz County property record for 190 Cypress Ln, Watsonville, CA 95076
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,801 sqft · built 1965 |
| Lot Size | 0.197 acres (8,581 sqft) |
| Owner | Company Name on Record |
| Last Sale | $200,000 (Sep 1994) |
| Tax Bill | $4,951 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Apr 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 050-311-04 |
| Primary APN | 050-311-04 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,801 sqft Living Area |
| Gross Area | 2,557 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Ranch |
| Construction Type | Wood |
| Roof Type | Sawtooth |
| Roof Material | Composition Shingle |
| Lot Area | 8,581 sqft (0.197 acres) |
| Garage Type | Attached |
| Garage Area | 756 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 190 CYPRESS LN |
|---|---|
| City | WATSONVILLE |
| State | CA |
| Zip | 95076-0710 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-9 |
| Legal Description | TR 289 |
| Legal Subdivision | CYPRESS KNOLLS 01 TR 289 |
| Legal Tract | 289 |
| Legal Lot Number | 3 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | WATSONVILLE |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 123100 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 190 CYPRESS LN, WATSONVILLE, CA 95076-0710 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Jun 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ON Q FINANCIAL INC |
| Apr 12, 2017 | Deed of Trust, Mortgage · Conventional Mortgage ON Q FINANCIAL INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 22, 1994 · Amount on Record |
| Deed Sale | Sep 22, 1994 · Amount on Record |
| Deed Document Number | 199465383 |
| Deed Book / Page | 5573 / 282 |
| Last Transfer Date | Dec 2, 2010 |
| Transfer Doc | 0000051862 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 190 CYPRESS LN, WATSONVILLE, CA 95076-0710 |
| Transaction Type | Mortgage |
| Record Updated | Jul 6, 2021 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 190 CYPRESS LN, WATSONVILLE, CA 95076-0710 |
| Document Number | 0000033157 |
|---|---|
| Date | Jun 16, 2021 |
| Instrument | 2021-0033157 |
| Name | ON Q FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Address | TEMPE, AZ 85281 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 190 CYPRESS LN, WATSONVILLE, CA 95076-0710 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000012053 |
|---|---|
| Date | Apr 12, 2017 |
| Instrument | 2017-0012053 |
| Name | ON Q FINANCIAL INC |
|---|---|
| Type | Lending Institution |
| Address | SCOTTSDALE, AZ 85251 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2047 |
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $382,981 (+2%) Land $188,463 Building $194,518 | ||
| 2025 | $4,951.00 (+14.03%) Homeowner's exemption | $375,470 (+4.04%) Land $184,767 Building $190,703 | |
| 2023 | $4,342.00 (+2%) Homeowner's exemption | $360,891 Land $177,593 Building $183,298 | $718,740 |
| 2022 | $4,257.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
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 |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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.
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