21 W Front St, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 21 W Front St, Watsonville, CA 95076

Property Summary

Property Type	Townhouse
Details	3 bd · 2 ba · 1,631 sqft · built 1990
Lot Size	0.018 acres (784 sqft)
Owner	2 Individual Names on Record
Last Sale	$485,000 (Sep 2026)
Tax Bill	$3,295 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Oct 2025 Foreclosure
Flood Zone	Zone AO (high risk)
APN	`017-511-03`

Property Details

APN / Parcel Number

Primary APN	`017-511-03`
Alternative APN	`017-511-03-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,631 sqft Living Area
Gross Area	2,081 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Townhouse
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	784 sqft (0.018 acres)
Garage Type	Attached
Garage Area	450 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	21 W FRONT ST
City	WATSONVILLE
State	CA
Zip	95076-4907
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Subdivision	RIVERFRONT TOWNHOMES
Legal Lot Number	3
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2022
Census Tract	110401

Owner

Source: Santa Cruz County records, as of October 14, 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	21 W FRONT ST, WATSONVILLE, CA 95076-4907
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2026	Grant Deed, Transfer · Conventional Mortgage NEXGEN LENDING
Oct 31, 2025	Foreclosure WFT NATIONAL TITLE, WFG NATIONAL TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2026 · Amount on Record
Deed Sale	Sep 29, 2026 · Amount on Record
Prior Sale	Oct 31, 2025 · Amount on Record
Deed Document Number	202621893
Record Updated	Oct 29, 2026

September 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 29, 2026
Property Address	21 W FRONT ST, WATSONVILLE, CA 95076-4907
Document Number	0000021893
Instrument Date	Sep 17, 2026
Instrument	202621893
Transaction Type	Transfer
Record Updated	Oct 13, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$53,883.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	21 W FRONT ST, WATSONVILLE, CA 95076-4907

Mortgage

Document Number	0000021894,
Date	Sep 29, 2026
Instrument	202621894

Lender

Name	NEXGEN LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2025: Foreclosure

Document Type	Foreclosure
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 31, 2025
Property Address	21 W FRONT ST, WATSONVILLE, CA 95076-4907
Document Number	0000023493
Instrument Date	Oct 31, 2025
Instrument	2025-0023493
Transaction Type	Foreclosure
Record Updated	Nov 13, 2025
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14002 E 21ST ST STE 300, 300, TULSA, OK 74134-1421
Investor	Possibly a Property Investor

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		$234,490 (+2%) Land $108,226 Building $126,264
2025	$3,295.00 (+17.47%)	$229,892 (+4.04%) Land $106,104 Building $123,788
2023	$2,805.00 (+2.04%) Homeowner's exemption	$220,965 Land $101,984 Building $118,981	$459,360
2022	$2,749.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 AO high risk · sheet flow 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 90 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	92 units insured incl. 2 condo units

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 98% of the US · lower than 98.4% 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 394 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile, Verizon.

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