20 Taylor Rd, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 20 Taylor Rd, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,670 sqft · built 1947
Lot Size	0.158 acres (6,882 sqft)
Owner	2 Individual Names on Record
Tax Bill	$9,901 (2025)
Deeds & Mortgages	Jun 2023 Transfer Jun 2023 Sale & Mortgage + 5 more
Flood Zone	Zone A (high risk)
APN	`051-153-21`

Property Details

APN / Parcel Number

Primary APN	`051-153-21`
Alternative APN	`051-153-21-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Building Area	1,670 sqft Living Area

Exterior

Year Built	Built 1947
Effective Year Built	Effective 2013
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,882 sqft (0.158 acres)
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	20 TAYLOR RD
City	WATSONVILLE
State	CA
Zip	95076-2222
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Subdivision	RANCHO SALSIPUEDES
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1000
Census Tract	122500

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 TAYLOR RD, WATSONVILLE, CA 95076-2222
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2023	Intrafamily Transfer, Transfer STEWART TITLE, STEWART TITLE OF CA INC
Jun 26, 2023	Grant Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Dec 6, 2021	Grant Deed, Transfer · Conventional Mortgage PLANET HOME LENDING LLC
Feb 17, 2020	Loan Modification, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING
Feb 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage HUD-HOUSING/URBAN DEV
May 11, 2017	Deed of Trust, Mortgage · FHA Mortgage MOVEMENT MTG
May 15, 2017	Grant Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2023
Deed Sale	Jun 26, 2023
Prior Sale	Jun 26, 2023 · Amount on Record
Deed Document Number	202311430
Prior Transfer Date	Jun 23, 2023
Prior Transfer Doc	0000011430
Record Updated	Sep 20, 2026

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 26, 2023
Property Address	20 TAYLOR RD, WATSONVILLE, CA 95076-2222
Document Number	0000011430
Instrument Date	Jun 23, 2023
Instrument	2023-0011430
Transaction Type	Transfer
Record Updated	Jul 14, 2023
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

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
Address	20 TAYLOR RD, WATSONVILLE, CA 95076-2222

June 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 26, 2023
Property Address	20 TAYLOR RD, WATSONVILLE, CA 95076-2222
Document Number	0000011429
Instrument Date	Jun 16, 2023
Instrument	2023-0011429
Transaction Type	Transfer
Record Updated	Jul 14, 2023
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$768.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	20 TAYLOR RD, WATSONVILLE, CA 95076-2222

Mortgage

Document Number	0000011431
Date	Jun 26, 2023
Instrument	2023-0011431

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

December 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 6, 2021
Property Address	20 TAYLOR RD, WATSONVILLE, CA 95076-2222
Document Number	0000059185
Instrument Date	Dec 2, 2021
Instrument	2021-0059185
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$731.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	770 ADELINE AVE, SAN JOSE, CA 95136-4848

Mortgage

Document Number	0000059186
Date	Dec 6, 2021
Instrument	2021-0059186

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

February 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SANTA CRUZ CA
Property Address	20 TAYLOR RD, WATSONVILLE, CA 95076-2222
Document Number	0000010836
Instrument Date	Feb 17, 2020
Transaction Type	Mortgage
Record Updated	Apr 29, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	20 TAYLOR RD WATSONVILLE CA 950762222, WATSONVILLE, CA 95076-2222

Mortgage

Document Number	0000010836
Date	Mar 30, 2020
Instrument	10836

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 29, 2050

Interest

Rate Type	Fixed Rate
Rate	4%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	20 TAYLOR RD, WATSONVILLE, CA 95076-2222
Document Number	0000010837
Instrument Date	Feb 17, 2020
Transaction Type	Mortgage
Record Updated	Apr 29, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	20 TAYLOR RD WATSONVILLE CA 950762222, WATSONVILLE, CA 95076-2222

Mortgage

Document Number	0000010837
Date	Mar 30, 2020
Instrument	10837

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 29, 2050

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	20 TAYLOR RD, WATSONVILLE, CA 95076-2222
Document Number	0000025569
Instrument Date	May 11, 2017
Transaction Type	Mortgage
Record Updated	Apr 29, 2020
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	20 TAYLOR RD WATSONVILLE CA 950762222, WATSONVILLE, CA 95076-2222

Mortgage

Document Number	0000025569
Date	Aug 3, 2017
Instrument	25569

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	FLINT, MI 48501-2026

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 2, 2047

Interest

Rate Type	Adjustable Rate
Rate	3%

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 15, 2017
Property Address	20 TAYLOR RD, WATSONVILLE, CA 95076-2222
Document Number	0000016006
Instrument Date	May 4, 2017
Instrument	2017-0016006
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	Community Property with Right of Survivorship
Address	20 TAYLOR RD, WATSONVILLE, CA 95076-2222

Mortgage

Document Number	0000016007
Date	May 15, 2017
Instrument	2017-0016007

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2022
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	4%
Index	1-Year CMT
Margin	2
Max Rate	5%

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		$741,785 (+2%) Land $503,012 Building $238,773
2025	$9,901.00 (+15.24%)	$727,240 (+7.22%) Land $493,150 Building $234,090
2023	$8,592.00 (+1.89%)	$678,300 (+2%) Land $525,300 Building $153,000	$613,620
2022	$8,433.00	$665,000 Land $515,000 Building $150,000

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 63 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	63 in force
Nearby Flood Claims	54 (1995–2023)
Most Recent Claim	Mar 2023 · Severe Storm And Flooding
Claims by Event	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

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 97% of the US · lower than 97.8% of California
Wildfire Likelihood	Under 0.01% 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 153 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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