200 Prospect St, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 200 Prospect St, Watsonville, CA 95076

Property Summary

Property Type	Store with Apartments
Details	2 bd · 1 ba · 3,037 sqft · built 1948
Lot Size	0.155 acres (6,752 sqft)
Owner	Company Name on Record
Last Sale	$330,000 (Oct 2008)
Tax Bill	$5,529 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Sep 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`019-053-01`

Property Details

APN / Parcel Number

Primary APN	`019-053-01`
Alternative APN	`019-053-01-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	3,037 sqft Gross Area
1st Floor Area	2,397 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	6,752 sqft (0.155 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	200 PROSPECT ST
City	WATSONVILLE
State	CA
Zip	95076-3222
Property Category	Commercial
Property Type	Commercial > Retail > Store with Apartments
Legal Subdivision	WATSONVILLE HEIGHTS 02
Legal Lot Number	242
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1012
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	Company Name on Record
Mailing Address	339 KINGSBURY DR, APTOS, CA 95003-5132
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2023	Deed of Trust, Mortgage · Commercial Mortgage SANTA CRUZ COUNTY BANK
Sep 22, 2017	Deed of Trust, Mortgage · Line of Credit LIGHTHOUSE BANK
Sep 12, 2020	Loan Modification, Mortgage SANTA CRUZ CNTY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 10, 2008 · Amount on Record
Deed Sale	Oct 10, 2008 · Amount on Record
Prior Sale	Jul 18, 1994 · Amount on Record
Deed Document Number	200841896
Last Transfer Date	Dec 24, 2008
Transfer Doc	0000002546
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	610 MADISON ST, WATSONVILLE, CA 95076-3214
Transaction Type	Mortgage
Record Updated	Sep 5, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	339 KINGSBURY DR, APTOS, CA 95003-5132

Mortgage

Document Number	0000006301
Date	Apr 11, 2023
Instrument	2023-0006301

Lender

Name	SANTA CRUZ COUNTY BANK
Type	Bank
Address	SANTA CRUZ, CA 95061

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	200 PROSPECT ST, WATSONVILLE, CA 95076-3222
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031636
Date	Sep 22, 2017
Instrument	2017-0031636

Lender

Name	LIGHTHOUSE BANK
Type	Bank
Address	SANTA CRUZ, CA 95060

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SANTA CRUZ CA
Property Address	200 PROSPECT ST, WATSONVILLE, CA 95076-3222
Document Number	0000041264
Instrument Date	Sep 12, 2020
Transaction Type	Mortgage
Record Updated	Oct 30, 2020
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	339 KINGSBURY DR APTOS CA 950035132, APTOS, CA 95003-5132

Mortgage

Document Number	0000041264
Date	Oct 13, 2020
Instrument	41264

Lender

Name	SANTA CRUZ CNTY BK
Type	Bank
Address	SANTA CRUZ, CA 95061

Agreement

Term	36 Months
Due	Oct 12, 2023

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
2026		$433,463 (+2%) Land $131,352 Building $302,111
2025	$5,529.00 (+13.46%)	$424,963 (+4.04%) Land $128,776 Building $296,187
2023	$4,873.00 (+1.78%)	$408,462 Land $123,776 Building $284,686
2022	$4,788.00

Assessed value is set for property tax purposes and is not a market price estimate.

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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