198 W Phillips Rd, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 198 W Phillips Rd, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,848 sqft · built 1967
Lot Size	0.157 acres (6,839 sqft)
Owner	2 Individual Names on Record
Last Sale	$600,000 (Nov 2017)
Tax Bill	$8,633 (2025)
Deeds & Mortgages	May 2021 Mortgage May 2021 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`050-331-16`

Property Details

APN / Parcel Number

Primary APN	`050-331-16`
Alternative APN	`050-331-16-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,848 sqft Living Area
Gross Area	2,248 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Bungalow
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	6,839 sqft (0.157 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	198 W PHILLIPS RD
City	WATSONVILLE
State	CA
Zip	95076-0720
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Description	TRACT 433 LOT 16
Legal Subdivision	SUNNY MEADOWS
Legal Tract	433
Legal Lot Number	16
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1002
Census Tract	123100

Owner

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	2 Individual Names on Record
Mailing Address	198 W PHILLIPS RD, WATSONVILLE, CA 95076-0720
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 5, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
May 6, 2021	Intrafamily Transfer, Transfer OLD REPUBLIC TITLE COMPANY
Mar 16, 2021	Intrafamily Transfer, Transfer
Jun 19, 2020	Deed of Trust, Mortgage · Conventional with PMI SUPREME LNDG
Nov 8, 2017	Grant Deed, Transfer · Conventional Mortgage RPM MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 8, 2017 · Amount on Record
Deed Sale	Nov 8, 2017 · Amount on Record
Prior Sale	Jul 16, 1997
Deed Document Number	201737658
Last Transfer Date	May 3, 2021
Transfer Doc	0000025961
Record Updated	Sep 20, 2026

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	May 5, 2021
Property Address	198 W PHILLIPS RD, WATSONVILLE, CA 95076-0720
Document Number	0000025851
Map Reference	MB 42 PG 40
Instrument Date	May 3, 2021
Instrument	2021-0025851
Transaction Type	Transfer
Record Updated	May 19, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

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
Relationship	Community Property with Right of Survivorship
Address	198 W PHILLIPS RD, WATSONVILLE, CA 95076-0720

Mortgage

Document Number	0000025852
Date	May 5, 2021
Instrument	2021-0025852

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	May 6, 2021
Property Address	198 W PHILLIPS RD, WATSONVILLE, CA 95076-0720
Document Number	0000025961
Map Reference	MB 42 PG 40
Instrument Date	May 3, 2021
Instrument	2021-0025961
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	OLD REPUBLIC TITLE COMPANY

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
Relationship	Family Trust
Address	198 W PHILLIPS RD, WATSONVILLE, CA 95076-0720

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 16, 2021
Property Address	198 W PHILLIPS RD, WATSONVILLE, CA 95076-0720
Document Number	0000015565
Map Reference	MB 42 PG 40
Instrument Date	Mar 12, 2021
Instrument	2021-0015565
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Relationship	Family Trust
Address	198 W PHILLIPS RD, WATSONVILLE, CA 95076-0720

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	198 W PHILLIPS RD, WATSONVILLE, CA 95076-0720
Document Number	0000022582
Instrument Date	Jun 19, 2020
Transaction Type	Mortgage
Record Updated	Jul 9, 2020
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	198 W PHILLIPS RD WATSONVILLE CA 950760720, WATSONVILLE, CA 95076-0720

Mortgage

Document Number	0000022582
Date	Jun 25, 2020
Instrument	22582

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 24, 2050

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 8, 2017
Property Address	198 W PHILLIPS RD, WATSONVILLE, CA 95076-0720
Document Number	0000037658
Map Reference	MB42 PG40
Instrument Date	Nov 2, 2017
Instrument	2017-0037658
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN 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	198 W PHILLIPS RD, WATSONVILLE, CA 95076-0720

Mortgage

Document Number	0000037659
Date	Nov 8, 2017
Instrument	2017-0037659

Lender

Name	RPM MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

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		$696,352 (+2%) Land $528,067 Building $168,285
2025	$8,633.00 (+13.31%)	$682,697 (+4.04%) Land $517,712 Building $164,985
2023	$7,619.00 (+1.87%)	$656,188 Land $497,609 Building $158,579	$762,930
2022	$7,479.00

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	Low lower than 95% of the US · lower than 97% of California
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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 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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