245 Lou's Ct, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 245 Lou's Ct, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,469 sqft · built 1984
Lot Size	1.18 acres (51,531 sqft)
Owner	2 Individual Names on File
Last Sale	$735,000 (Aug 2002)
Tax Bill	$13,901 (2025)
Deeds & Mortgages	Jul 2021 Transfer Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`107-251-27`

Property Details

APN / Parcel Number

Primary APN	`107-251-27`
Alternative APN	`107-251-27-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	2,469 sqft Living Area
Gross Area	3,757 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	51,531 sqft
Terrain	Steep
View / Lot	Ocean
Garage Type	Attached
Garage Area	1,288 sqft
Parking Spaces	5 Parking Spaces
Deck Area	962 sqft
Patio Area	962 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	245 LOUS CT
City	WATSONVILLE
State	CA
Zip	95076-0230
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Subdivision	DE LOS CORRALITOS RHO
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1001
Census Tract	122402

Owner

245 Lou's Ct is owned and occupied by two individuals who acquired it in April 2015.

Source: Santa Cruz County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 285, WATSONVILLE, CA 95077-0285
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
Jul 9, 2021	Intrafamily Transfer, Transfer STEWART TITLE OF CA INC
Jul 8, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2002 · Amount on File
Deed Sale	Aug 28, 2002 · Amount on File
Deed Document Number	200261007
Last Transfer Date	Apr 10, 2015
Transfer Doc	0000015278
Record Updated	Oct 29, 2026

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 9, 2021
Property Address	245 LOUS CT, WATSONVILLE, CA 95076-0230
Document Number	0000036689
Map Reference	VOL 20 PG 12
Instrument Date	Jun 30, 2021
Instrument	2021-0036689
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	STEWART TITLE OF CA INC

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	Family Trust
Address	PO BOX 258, WATSONVILLE, CA 95077-0258

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 8, 2021
Property Address	245 LOUS CT, WATSONVILLE, CA 95076-0230
Document Number	0000036586
Map Reference	VOL 20 PG 12
Instrument Date	Jun 15, 2021
Instrument	2021-0036586
Transaction Type	Transfer
Record Updated	Jul 21, 2021
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

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	Joint Tenants
Address	PO BOX 285, WATSONVILLE, CA 95077-0285

Mortgage

Document Number	0000036587
Date	Jul 8, 2021
Instrument	2021-0036587

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 245 Lou's Ct was $13,901 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		$1,168,488 (+2%) Land $524,445 Building $644,043
2025	$13,901.00 Homeowner's exemption	$1,145,577 Land $514,162 Building $631,415
2023	$12,718.00 (+1.92%) Homeowner's exemption	$1,101,094 Land $494,197 Building $606,897	$1,144,350
2022	$12,478.00

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

Flood

FEMA maps place 245 Lou's Ct 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	6 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 245 Lou's Ct is moderate, ranking above 63% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 63% of the US · lower than 61% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 147 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
Etheric Networks Fixed Wireless	250 / 100

May also be available: Cruzio.

Cell Coverage

5G (outdoors only) and 4G LTE

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