229 Elm St, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 229 Elm St, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,318 sqft · built 1935
Lot Size	0.156 acres (6,795 sqft)
Owner	2 Individual Names on File
Last Sale	$613,000 (Sep 2025)
Tax Bill	$7,668 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Sep 2023 Line of Credit + 2 more
Flood Zone	Zone AH (high risk)
APN	`017-201-16`

Property Details

APN / Parcel Number

Primary APN	`017-201-16`
Alternative APN	`017-201-16-000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Building Area	1,318 sqft Living Area
Gross Area	1,678 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,795 sqft (0.156 acres)
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	229 ELM ST, A
City	WATSONVILLE
State	CA
Zip	95076-5024
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	GM BOCKIUS 01
Legal Lot Number	59
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2005
Census Tract	110301

Owner

229 Elm St is owned by two individuals who bought it in September 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	106 SUDDEN ST, WATSONVILLE, CA 95076-4375
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 10, 2026	Deed of Trust, Mortgage PACIFIC VALLEY BANK
Sep 8, 2023	Deed of Trust, Mortgage · Line of Credit TALKOV LAW CORP
Sep 11, 2025	Grant Deed, Transfer · Commercial Mortgage STERLLING OF STERLING PACIFIC LENDI
Sep 12, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2025 · Amount on File
Deed Sale	Sep 11, 2025 · Amount on File
Deed Document Number	202519144
Prior Transfer Date	Sep 10, 2018
Prior Transfer Doc	0000027942
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	229 ELM ST, WATSONVILLE, CA 95076-5024
Transaction Type	Mortgage
Record Updated	Feb 25, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 SUDDEN ST, WATSONVILLE, CA 95076-4375

Mortgage

Document Number	0000003021
Date	Feb 10, 2026
Instrument	2026-0003021

Lender

Name	PACIFIC VALLEY BANK
Type	Bank
Address	SALINAS, CA 93901

Agreement

Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	229 ELM ST, WATSONVILLE, CA 95076-5024
Transaction Type	Mortgage
Record Updated	Sep 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	229 ELM ST, WATSONVILLE, CA 95076-5024

Mortgage

Document Number	0000016854
Date	Sep 8, 2023
Instrument	2023-0016854

Lender

Name	TALKOV LAW CORP
Type	Non-Lending Institution
Address	NEWPORT BEACH, CA 92660

Agreement

Type	Line of Credit

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 11, 2025
Property Address	229 ELM ST, WATSONVILLE, CA 95076-5024
Document Number	0000019144
Map Reference	MB 1 PG 56
Instrument Date	May 6, 2025
Instrument	2025-0019144
Transaction Type	Transfer
Record Updated	Sep 29, 2025
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$674.30
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	106 SUDDEN ST, WATSONVILLE, CA 95076-4375

Mortgage

Document Number	0000019145
Date	Sep 11, 2025
Instrument	2025-0019145

Lender

Name	STERLLING OF STERLING PACIFIC LENDI

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 12, 2018
Property Address	229 ELM ST, WATSONVILLE, CA 95076-5024
Document Number	0000027942
Instrument Date	Sep 10, 2018
Instrument	27942
Transaction Type	Transfer
Record Updated	Sep 27, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	229 ELM ST WATSONVILLE CA 950765024, WATSONVILLE, CA 95076-5024

Tax Assessment & Valuation

The 2025 property tax bill for 229 Elm St was $7,668.

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		$612,800 (+9.93%) Land $512,800 Building $100,000
2025	$7,668.00	$557,450 Land $449,208 Building $108,242
2023	$1,097.00 (+2.81%)	$43,084 Land $15,460 Building $27,624	$440,100
2022	$1,067.00

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

FEMA maps place 229 Elm St in Zone AH, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone AH high risk · shallow ponding 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 File median of 105 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	109 units insured incl. 4 condo units
Nearby Flood Claims	7 (2022–2023)
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 7 claims

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

The area around 229 Elm 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 427 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Cruzio Fixed Wireless	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Etheric Networks, T-Mobile.

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