20 Laurel St, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 20 Laurel St, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,186 sqft · built 1950
Lot Size	0.125 acres (5,445 sqft)
Owner	2 Individual Names on Record
Last Sale	$510,000 (Jan 2017)
Tax Bill	$7,613 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`019-028-03`

Property Details

APN / Parcel Number

Primary APN	`019-028-03`
Alternative APN	`019-028-03-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	1,186 sqft Living Area
Gross Area	1,426 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1995
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	5,445 sqft (0.125 acres)
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	20 LAUREL ST
City	WATSONVILLE
State	CA
Zip	95076-2738
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	PHELAN HEIGHTS
Legal Lot Number	11
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1016
Census Tract	110202

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	20 LAUREL ST, WATSONVILLE, CA 95076-2738
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jan 31, 2017	Grant Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2017 · Amount on Record
Deed Sale	Jan 31, 2017 · Amount on Record
Prior Sale	Jun 6, 2014 · Amount on Record
Deed Document Number	20173878
Prior Transfer Date	Aug 4, 2005
Prior Transfer Doc	0000063744
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	20 LAUREL ST, WATSONVILLE, CA 95076-2738
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 LAUREL ST, WATSONVILLE, CA 95076-2738

Mortgage

Document Number	0000001590
Date	Jan 18, 2022
Instrument	2022-0001590

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2051

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 31, 2017
Property Address	20 LAUREL ST, WATSONVILLE, CA 95076-2738
Document Number	0000003878
Map Reference	MB24 PG18
Instrument Date	Jan 18, 2017
Instrument	2017-0003878
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	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	20 LAUREL ST, WATSONVILLE, CA 95076-2738

Mortgage

Document Number	0000003879
Date	Jan 31, 2017
Instrument	2017-0003879

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 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
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		$603,738 (+2%) Land $392,430 Building $211,308
2025	$7,613.00 (+13.1%)	$591,899 (+4.04%) Land $384,734 Building $207,165
2023	$6,731.00 (+1.77%)	$568,917 Land $369,796 Building $199,121	$565,020
2022	$6,614.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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 638 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	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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