22 Dick Phelps Rd, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 22 Dick Phelps Rd, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,599 sqft · built 1951
Lot Size	0.496 acres (21,606 sqft)
Owner	2 Individual Names on Record
Last Sale	$395,000 (May 2002)
Tax Bill	$9,933 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`051-072-19`

Property Details

APN / Parcel Number

Primary APN	`051-072-19`
Alternative APN	`051-072-19-000`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	3,599 sqft Living Area
Gross Area	4,237 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Bungalow
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	21,606 sqft (0.496 acres)
Garage Type	Attached
Garage Area	638 sqft
Parking Spaces	3 Parking Spaces
Total Buildings	3 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	20 DICK PHELPS RD
City	WATSONVILLE
State	CA
Zip	95076-1334
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10
Legal Subdivision	CORRALITOS RHO
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	4
Census Block	4011
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 DICK PHELPS RD, WATSONVILLE, CA 95076-1334
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage BAY FCU
Jul 19, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage BAY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2002 · Amount on Record
Deed Sale	May 17, 2002 · Amount on Record
Prior Sale	May 18, 2000 · Amount on Record
Deed Document Number	200236057
Last Transfer Date	Jul 12, 2019
Transfer Doc	0000020250
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	20 DICK PHELPS RD, WATSONVILLE, CA 95076-1334
Transaction Type	Mortgage
Record Updated	Apr 14, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	50 DICK PHELPS RD, WATSONVILLE, CA 95076-1334

Mortgage

Document Number	0000018862
Date	Apr 2, 2021
Instrument	2021-0018862

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

July 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 19, 2019
Property Address	20 DICK PHELPS RD, WATSONVILLE, CA 95076-1334
Document Number	0000020250
Instrument Date	Jul 12, 2019
Instrument	2019-0020250
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

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
Relationship	Community Property with Right of Survivorship
Address	20 DICK PHELPS RD, WATSONVILLE, CA 95076-1334
Investor	Possibly a Property Investor

Mortgage

Document Number	0000020251
Date	Jul 19, 2019
Instrument	2019-0020251

Lender

Name	BAY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

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		$595,207 (-17.23%) Land $354,111 Building $241,096
2025	$9,933.00 (+34.81%)	$719,137 (+28.22%) Land $347,168 Building $371,969
2023	$7,368.00 (+2.63%)	$560,877 Land $333,687 Building $227,190	$769,950
2022	$7,179.00

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	Low lower than 98% of the US · lower than 98.4% of California
Wildfire Likelihood	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 100 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	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
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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