243 Prospect St, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 243 Prospect St, Watsonville, CA 95076 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,232 sqft · built 1915
Lot Size	0.298 acres (12,981 sqft)
Owner	2 Individual Names on File
Last Sale	$710,000 (Oct 2021)
Tax Bill	$9,647 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`019-045-13`

Property Details

APN / Parcel Number

Primary APN	`019-045-13`
Alternative APN	`019-045-13-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	1,232 sqft Living Area
Gross Area	1,472 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1995
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	12,981 sqft (0.298 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	243 PROSPECT ST
City	WATSONVILLE
State	CA
Zip	95076-3221
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	WATSONVILLE HEIGHTS 2
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1004
Census Tract	110202

Owner

Source: Santa Cruz County records · APN 019-045-13

Assessment roll updated August 19, 2026 · Last verified August 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 File
Mailing Address	243 PROSPECT ST, WATSONVILLE, CA 95076-3221
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 04, 2022	Deed of Trust, Mortgage · Line of Credit BAY FCU
Oct 15, 2021	Grant Deed, Transfer · Conventional Mortgage MASON MCDUFFIE MORTGAGE CORP
Feb 11, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 15, 2021 · Amount on Record
Deed Sale	Oct 15, 2021 · Amount on Record
Deed Document Number	202152232
Prior Transfer Date	Feb 03, 2021
Prior Transfer Doc	0000008804
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	243 PROSPECT ST, WATSONVILLE, CA 95076-3221
Transaction Type	Mortgage
Record Updated	Oct 20, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	243 PROSPECT ST, WATSONVILLE, CA 95076-3221

Mortgage

Document Number	0000027505
Date	Oct 04, 2022
Instrument	2022-0027505

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Nov 15, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 15, 2021
Property Address	243 PROSPECT ST, WATSONVILLE, CA 95076-3221
Document Number	0000052232
Map Reference	MB 15 PG 36
Instrument Date	Oct 02, 2021
Instrument	2021-0052232
Transaction Type	Transfer
Record Updated	Nov 15, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	243 PROSPECT ST, WATSONVILLE, CA 95076-3221

Mortgage

Document Number	0000052233
Date	Oct 15, 2021
Instrument	2021-0052233

Lender

Name	MASON MCDUFFIE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2051

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 11, 2021
Property Address	243 PROSPECT ST, WATSONVILLE, CA 95076-3221
Document Number	0000008804
Map Reference	MB 15 PG 36
Instrument Date	Feb 03, 2021
Instrument	2021-0008804
Transaction Type	Transfer
Record Updated	Jun 07, 2023

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	Revocable Trust
Address	243 PROSPECT ST, WATSONVILLE, CA 95076-3221

Tax Assessment & Valuation

Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$777,228 (+2%) Land $552,040 Building $225,188
2025	$9,647.00 (+14.17%) Homeowner's exemption	$761,988 (+5.22%) Land $541,216 Building $220,772
2023	$8,450.00 (+753.54%) Homeowner's exemption	$724,200 Land $520,200 Building $204,000	$662,310
2022	$990.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 638 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 1,000
Cruzio Internet	Fixed Wireless (unlicensed)	1,000 / 1,000
Razzolink	Fixed Wireless (unlicensed)	500 / 250
Verizon	Fixed Wireless	300 / 20
Etheric Communications, LLC.	Fixed Wireless (licensed-by-rule)	250 / 100
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: AT&T, Spectrum, California Internet. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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