191 Cypress Ln, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 191 Cypress Ln, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,133 sqft · built 1965
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$729,000 (Dec 2018)
Tax Bill	$10,074 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Apr 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`050-311-17`

Property Details

APN / Parcel Number

Primary APN	`050-311-17`
Alternative APN	`050-311-17-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	3,133 sqft Living Area
Gross Area	3,629 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1985
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	496 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic

Location & Zoning

Street Address	191 CYPRESS LN
City	WATSONVILLE
State	CA
Zip	95076-0709
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-9
Legal Subdivision	CYPRESS KNOLLS SUB #1 TR #289
Legal Lot Number	12
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1001
Census Tract	123100

Owner

Source: Santa Cruz County records, 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 Individual Names on Record
Mailing Address	191 CYPRESS LN, WATSONVILLE, CA 95076-0709
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2026	Deed of Trust, Mortgage · FHA Mortgage NATIONWIDE MORTGAGE BANKERS INC
Apr 3, 2023	Deed of Trust, Mortgage · Commercial Mortgage UNISON AGREEMENT CORP
Apr 2, 2019	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Oct 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Dec 18, 2018	Grant Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2018 · Amount on Record
Deed Sale	Dec 18, 2018 · Amount on Record
Prior Sale	Jul 16, 2014 · Amount on Record
Deed Document Number	201837581
Prior Transfer Date	May 5, 2011
Prior Transfer Doc	0000022596
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	191 CYPRESS LN, WATSONVILLE, CA 95076-0709
Transaction Type	Mortgage
Record Updated	Mar 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 CYPRESS LN, WATSONVILLE, CA 95076-0709

Mortgage

Document Number	0000003370
Date	Feb 17, 2026
Instrument	2026-0003370

Lender

Name	NATIONWIDE MORTGAGE BANKERS INC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	191 CYPRESS LN, WATSONVILLE, CA 95076-0709
Transaction Type	Mortgage
Record Updated	Apr 19, 2023
Title Company	VANTAGE PROPERTY TITLE COMPANY, VANTAGE POINT TITLE CO OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 CYPRESS LN, OMAHA, NE 68164

Mortgage

Document Number	0000005754
Date	Apr 3, 2023
Instrument	2023-0005754

Lender

Name	UNISON AGREEMENT CORP
Type	Non-Lending Institution
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	191 CYPRESS LN, WATSONVILLE, CA 95076-0709
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CORNERSTONE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008196
Date	Apr 2, 2019
Instrument	2019-0008196

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2049

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	191 CYPRESS LN, WATSONVILLE, CA 95076-0709
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032921
Date	Oct 24, 2019
Instrument	2019-0032921

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 18, 2018
Property Address	191 CYPRESS LN, WATSONVILLE, CA 95076-0709
Document Number	0000037581
Map Reference	VOL 37 PG 45
Instrument Date	Dec 11, 2018
Instrument	2018-0037581
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	191 CYPRESS LN, WATSONVILLE, CA 95076-0709

Mortgage

Document Number	0000037582
Date	Dec 18, 2018
Instrument	2018-0037582

Lender

Name	AMERICAN PACIFIC MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

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		$829,478 (+2%) Land $497,687 Building $331,791
2025	$10,074.00 (+13.24%) Homeowner's exemption	$813,213 (+4.04%) Land $487,928 Building $325,285
2023	$8,896.00 (+1.87%) Homeowner's exemption	$781,635 Land $468,981 Building $312,654	$872,640
2022	$8,733.00

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
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.

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

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 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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