224 W Phillips Rd, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 224 W Phillips Rd, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,808 sqft · built 1966
Lot Size	0.147 acres (6,403 sqft)
Owner	2 Individual Names on File
Last Sale	$640,000 (May 2017)
Tax Bill	$9,254 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Nov 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`050-331-14`

Property Details

APN / Parcel Number

Primary APN	`050-331-14`
Alternative APN	`050-331-14-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,808 sqft Living Area
Gross Area	2,208 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,403 sqft (0.147 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	224 W PHILLIPS RD
City	WATSONVILLE
State	CA
Zip	95076-0722
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Subdivision	TRACT 433 SUNNY MEADOWS
Legal Lot Number	14
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1002
Census Tract	123100

Owner

224 W Phillips Rd is owned and occupied by two individuals who bought it in May 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	224 W PHILLIPS RD, WATSONVILLE, CA 95076-0722
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
Feb 11, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 7, 2019	Deed of Trust, Mortgage · Conventional with PMI PENNYMAC
Jan 12, 2018	Deed of Trust, Mortgage · VA Mortgage PENNYMAC
May 31, 2017	Grant Deed, Transfer · VA Mortgage MOUNTAIN WEST FINANCIAL INC
May 31, 2017	Affidavit of Death, Transfer ABL ABSTRACT CORPORATION, OLD REPUBLIC TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2017 · Amount on File
Deed Sale	May 31, 2017 · Amount on File
Deed Document Number	201717861
Prior Transfer Date	Oct 7, 2008
Prior Transfer Doc	0000042050
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	224 W PHILLIPS RD, WATSONVILLE, CA 95076-0722
Transaction Type	Mortgage
Record Updated	Feb 24, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 W PHILLIPS RD, WATSONVILLE, CA 95076-0722

Mortgage

Document Number	0000008604
Date	Feb 11, 2021
Instrument	2021-0008604

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	224 W PHILLIPS RD, WATSONVILLE, CA 95076-0722
Document Number	0000036165
Instrument Date	Nov 7, 2019
Transaction Type	Mortgage
Record Updated	Dec 9, 2019
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	224 W PHILLIPS RD WATSONVILLE CA 950760722, WATSONVILLE, CA 95076-0722

Mortgage

Document Number	0000036165
Date	Nov 20, 2019
Instrument	36165

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 19, 2049

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	224 W PHILLIPS RD, WATSONVILLE, CA 95076-0722
Document Number	0000002285
Instrument Date	Jan 12, 2018
Transaction Type	Mortgage
Record Updated	Feb 23, 2018
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	224 W PHILLIPS RD WATSONVILLE CA 950760722, WATSONVILLE, CA 95076-0722

Mortgage

Document Number	0000002285
Date	Jan 24, 2018
Instrument	2285

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 23, 2048

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 31, 2017
Property Address	224 W PHILLIPS RD, WATSONVILLE, CA 95076-0722
Document Number	0000017861
Map Reference	MB42 PG40
Instrument Date	May 23, 2017
Instrument	2017-0017861
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount 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	Joint Tenants
Address	224 W PHILLIPS RD, WATSONVILLE, CA 95076-0722

Mortgage

Document Number	0000017862
Date	May 31, 2017
Instrument	2017-0017862

Lender

Name	MOUNTAIN WEST FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

May 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SANTA CRUZ CA
Recording Date	May 31, 2017
Property Address	224 W PHILLIPS RD, WATSONVILLE, CA 95076-0722
Document Number	0000017860
Instrument Date	May 23, 2017
Instrument	17860
Transaction Type	Transfer
Record Updated	Jan 13, 2020
Title Company	ABL ABSTRACT CORPORATION, OLD REPUBLIC TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	355 AMESTI RD WATSONVILLE CA 95076, WATSONVILLE, CA 95076

Tax Assessment & Valuation

The 2025 property tax bill for 224 W Phillips Rd was $9,254 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
Unified School District	Pajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$757,572 (+2%) Land $533,834 Building $223,738
2025	$9,254.00 Homeowner's exemption	$742,717 Land $523,366 Building $219,351
2023	$8,167.00 (+1.87%) Homeowner's exemption	$713,876 Land $503,043 Building $210,833	$783,720
2022	$8,017.00

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

Flood

FEMA maps place 224 W Phillips Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 13 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	13 in force

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

Wildfire risk around 224 W Phillips Rd is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 97% of California
Wildfire Likelihood	0.02% 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 144 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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