20 Lawrence Ave, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 20 Lawrence Ave, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,248 sqft · built 1978
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,974 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Oct 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`015-073-15`

Property Details

APN / Parcel Number

Primary APN	`015-073-15`
Alternative APN	`015-073-15-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,248 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Contemporary
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Built-in

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	20 LAWRENCE AVE
City	WATSONVILLE
State	CA
Zip	95076-2915
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	MARIGOLD MEADOWS
Legal Lot Number	135
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1004
Census Tract	110602

Owner

20 Lawrence Ave is owned and occupied by two individuals who acquired it in May 2020.

Source: Santa Cruz County records, as of August 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20 LAWRENCE AVE, WATSONVILLE, CA 95076-2915
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2026	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LENDING
Oct 26, 2021	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LENDING
Dec 18, 2020	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LENDING
May 8, 2020	Quit Claim Deed, Transfer · VA Mortgage CLEARPATH LNDG
Nov 10, 2017	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LNDG
Sep 28, 2016	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 8, 2020
Deed Sale	May 8, 2020
Prior Sale	Feb 29, 2000 · Amount on File
Deed Document Number	202015819
Prior Transfer Date	Jan 31, 2020
Prior Transfer Doc	0000015819
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 13, 2026
Property Address	20 LAWRENCE AVE, WATSONVILLE, CA 95076-2915
Document Number	0000015748
Instrument Date	Jul 7, 2026
Instrument	202615748
Transaction Type	Mortgage
Record Updated	Jul 28, 2026
Title Company	VANTAGE POINT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	20 LAWRENCE AVE, WATSONVILLE, CA 95076-2915

Mortgage

Document Number	0000015748,
Date	Jul 13, 2026
Instrument	202615748

Lender

Name	CLEARPATH LENDING

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	20 LAWRENCE AVE, WATSONVILLE, CA 95076-2915
Transaction Type	Mortgage
Record Updated	Nov 11, 2021
Title Company	PACIFIC COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 LAWRENCE AVE, WATSONVILLE, CA 95076-2915

Mortgage

Document Number	0000053626
Date	Oct 26, 2021
Instrument	2021-0053626

Lender

Name	CLEARPATH LENDING
Type	Lending Institution
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Sep 1, 2051

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	20 LAWRENCE AVE, WATSONVILLE, CA 95076-2915
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PACIFIC COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 LAWRENCE AVE, WATSONVILLE, CA 95076-2915

Mortgage

Document Number	0000055204
Date	Dec 18, 2020
Instrument	2020-0055204

Lender

Name	CLEARPATH LENDING
Type	Lending Institution
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 8, 2020
Property Address	20 LAWRENCE AVE, WATSONVILLE, CA 95076-2915
Document Number	0000015819
Instrument Date	Jan 31, 2020
Instrument	15819
Transaction Type	Transfer
Record Updated	May 22, 2020
Title Company	PACIFIC COAST TITLE COMPANY, PACIFIC COAST TITLE CO.

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	20 LAWRENCE AVE WATSONVILLE CA 950762915, WATSONVILLE, CA 95076-2915

Mortgage

Document Number	15820
Date	May 8, 2020
Instrument	15820

Lender

Name	CLEARPATH LNDG
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 7, 2050

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	20 LAWRENCE AVE, WATSONVILLE, CA 95076-2915
Document Number	0000041443
Instrument Date	Nov 10, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	CONSUMERS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	20 LAWRENCE AVE WATSONVILLE CA 950762915, WATSONVILLE, CA 95076-2915

Mortgage

Document Number	0000041443
Date	Dec 7, 2017
Instrument	41443

Lender

Name	CLEARPATH LNDG
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 6, 2047

September 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	20 LAWRENCE AVE, WATSONVILLE, CA 95076-2915
Document Number	0000000456
Instrument Date	Sep 28, 2016
Transaction Type	Mortgage
Record Updated	Jan 13, 2017
Title Company	CONSUMERS TITLE COMPANY, CONSUMERS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	20 LAWRENCE AVE WATSONVILLE CA 950762915, WATSONVILLE, CA 95076-2915

Mortgage

Document Number	0000000456
Date	Jan 5, 2017
Instrument	456

Lender

Name	CLEARPATH LNDG
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 4, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 20 Lawrence Ave was $4,974 with a homeowner's exemption.

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		$395,067 (+2%) Land $237,040 Building $158,027
2025	$4,974.00 Homeowner's exemption	$387,320 Land $232,392 Building $154,928
2023	$4,371.00 (+1.84%) Homeowner's exemption	$372,280 Land $223,368 Building $148,912	$660,600
2022	$4,292.00

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

Flood

FEMA maps place 20 Lawrence Ave in Zone X, an area of minimal flood risk.

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

The area around 20 Lawrence Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Cruzio Fixed Wireless	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
Etheric Networks Fixed Wireless	250 / 100
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile, Verizon.

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