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190 Nicholas Ln, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 190 Nicholas Ln, Watsonville, CA 95076 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,890 sqft · built 1975
Lot Size2.49 acres (108,639 sqft)
Owner2 Individual Names on File
Last Sale$590,000 (Aug 2009)
Tax Bill$9,468 (2025)
Deeds & MortgagesOct 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN051-421-17

Property Details

APN / Parcel Number

Primary APN051-421-17
Alternative APN
  • 051-421-17-000

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Building Area2,890 sqft Living Area
Gross Area3,730 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1975
Effective Year BuiltEffective 1975
Construction TypeWood
Roof MaterialTile
Lot Area108,639 sqft
TerrainSteep
Garage TypeAttached
Garage Area840 sqft
Parking Spaces3 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerSeptic

Location & Zoning

Street Address190 NICHOLAS LN
CityWATSONVILLE
StateCA
Zip95076-2242
Property CategoryResidential
Property TypeResidential > Single Family > Home
JurisdictionSANTA CRUZ CA
Township / Civil DivisionWATSONVILLE
Census Block Group1
Census Block1000
Census Tract122500

Owner

Source: Santa Cruz County records · APN 051-421-17

Assessment roll updated August 19, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address190 NICHOLAS LN, WATSONVILLE, CA 95076-2242
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 20, 2009 · Amount on Record
Deed SaleAug 20, 2009 · Amount on Record
Prior SaleJan 07, 2009 · Amount on Record
Deed Document Number200940368
Prior Transfer DateNov 16, 2005
Prior Transfer Doc0000082034
Record UpdatedSep 20, 2026

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address190 NICHOLAS LN, WATSONVILLE, CA 95076-2242
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanySTEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address190 NICHOLAS LN, WATSONVILLE, CA 95076-2242

Mortgage

Document Number0000043862
DateOct 26, 2020
Instrument2020-0043862
Lender
NameSTEARNS LENDING LLC
TypeMortgage Company
AddressLEWISVILLE, TX 75057
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term241 Months
DueNov 01, 2040

Tax Assessment & Valuation

Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
Unified School DistrictPajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$776,688 (+2%) Land $467,276 Building $309,412
2025$9,468.00 (+13.28%) Homeowner's exemption$761,460 (+4.04%) Land $458,114 Building $303,346
2023$8,358.00 (+1.88%) Homeowner's exemption$731,892 Land $440,326 Building $291,566$890,910
2022$8,204.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060871225001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 63 individual NFIP policies nearby
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies63 in force
Nearby Flood Claims54 (1995–2023)
Most Recent ClaimMar 2023, river or lake flooding, Severe Storm And Flooding
Claims By Storm
  • Severe Storm And Flooding, Mar 2023 · 3 claims
  • Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Mar 2023 · 17 claims
  • Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 28 claims

Wildfire

Wildfire RiskModerate
above 54% of the US · above 32% of California
Wildfire LikelihoodAbout 1 in 781 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 14 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
RazzolinkFixed Wireless (unlicensed)500 / 250
VerizonFixed Wireless300 / 20
Etheric Communications, LLC.Fixed Wireless (licensed-by-rule)250 / 100
Cruzio InternetFixed Wireless (unlicensed)100 / 100
AT&TFixed Wireless25 / 3

May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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