227 Prospect St, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 227 Prospect St, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,944 sqft · built 1915
Lot Size	0.228 acres (9,932 sqft)
Owner	Individual Name on File
Last Sale	$1,275,000 (Aug 2021)
Tax Bill	$17,138 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Jan 2019 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`019-045-09`

Property Details

APN / Parcel Number

Primary APN	`019-045-09`
Alternative APN	`019-045-09-000`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	9 Rooms
Building Area	3,944 sqft Living Area
Gross Area	4,344 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 2010
Architectural Style	Duplex Single
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	9,932 sqft (0.228 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	227 PROSPECT ST, A
City	WATSONVILLE
State	CA
Zip	95076-3286
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 276
Legal Subdivision	WATSONVILLE HEIGHTS 02
Legal Lot Number	276
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1004
Census Tract	110202

Owner

227 Prospect St is owned and occupied by an individual who bought it in August 2021.

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

Owner of Record	Individual Name on File
Mailing Address	227 PROSPECT ST, A, WATSONVILLE, CA 95076-3286
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 10, 2021	Grant Deed, Transfer · Conventional Mortgage GROVES CAPITAL INC
Jan 4, 2019	Quit Claim Deed, Transfer AMROCK TITLE CA INC
Jan 3, 2019	Quit Claim Deed, Transfer · Conventional Mortgage QUICKEN LNS
Feb 14, 2018	Grant Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2021 · Amount on File
Deed Sale	Aug 10, 2021 · Amount on File
Prior Sale	Feb 14, 2018 · Amount on File
Deed Document Number	202141824
Prior Transfer Date	Dec 28, 2018
Prior Transfer Doc	0000000315
Record Updated	Sep 20, 2026

August 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 10, 2021
Property Address	227 PROSPECT ST, WATSONVILLE, CA 95076-3285
Document Number	0000041824
Map Reference	VOL 15 PG 36
Instrument Date	Jul 21, 2021
Instrument	2021-0041824
Transaction Type	Transfer
Record Updated	Sep 5, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,402.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	49 BLANCA LN SPC 512, 512, WATSONVILLE, CA 95076-2131

Mortgage

Document Number	0000041825
Date	Aug 10, 2021
Instrument	2021-0041825

Lender

Name	GROVES CAPITAL INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 4, 2019
Property Address	227 PROSPECT ST, WATSONVILLE, CA 95076-3285
Document Number	0000000315
Instrument Date	Dec 28, 2018
Instrument	315
Transaction Type	Transfer
Record Updated	Jan 24, 2019
Title Company	AMROCK TITLE CA INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	57 ORTALON AVE SANTA CRUZ CA 950602016, SANTA CRUZ, CA 95060-2016

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 3, 2019
Property Address	227 PROSPECT ST, WATSONVILLE, CA 95076-3285
Document Number	0000000160
Instrument Date	Dec 28, 2018
Instrument	160
Transaction Type	Transfer
Record Updated	Jan 18, 2019
Title Company	AMROCK TITLE CA INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	57 ORTALON AVE SANTA CRUZ CA 950602016, SANTA CRUZ, CA 95060-2016

Mortgage

Document Number	161
Date	Jan 3, 2019
Instrument	161

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 2, 2049

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 14, 2018
Property Address	227 PROSPECT ST, WATSONVILLE, CA 95076-3285
Document Number	0000004525
Instrument Date	Feb 12, 2018
Instrument	4525
Transaction Type	Transfer
Record Updated	Feb 27, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$1,017.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	PO BOX 719 SANTA CRUZ CA 950610719, SANTA CRUZ, CA 95061-0719

Tax Assessment & Valuation

The 2025 property tax bill for 227 Prospect St was $17,138 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
Municipality	Watsonville City
Unified School District	Pajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,380,101 (+2%) Land $725,230 Building $654,871
2025	$17,138.00 Homeowner's exemption	$1,353,040 Land $711,009 Building $642,031
2023	$15,242.00 (+1.78%) Homeowner's exemption	$1,300,500 Land $683,400 Building $617,100
2022	$14,975.00

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

Flood

FEMA maps place 227 Prospect St in Zone X, an area of minimal flood risk.

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

The area around 227 Prospect St has no burnable land within ember reach, so its wildfire risk is not rated.

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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