25 Toad Hollow, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 25 Toad Hollow, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,729 sqft · built 1962
Lot Size	0.164 acres (7,144 sqft)
Owner	2 Individual Names on File
Last Sale	$490,000 (May 2012)
Tax Bill	$8,069 (2025)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`046-183-21`

Property Details

APN / Parcel Number

Primary APN	`046-183-21`
Alternative APN	`046-183-21-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Building Area	1,729 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Construction Type	Wood
Roof Material	Other
Lot Area	7,144 sqft (0.164 acres)
Terrain	Steep
Garage Type	Carport
Garage Area	216 sqft
Carport	Carport
Carport Area	216 sqft
Parking Spaces	1 Parking Space
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	719 sqft
Patio Area	719 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	25 TOAD HOLW
City	WATSONVILLE
State	CA
Zip	95076-8330
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Subdivision	SUNSET BCH
Legal Lot Number	D
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1020
Census Tract	122300

Owner

25 Toad Hollow is owned and occupied by two individuals who bought it in May 2012.

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

Owner of Record	2 Individual Names on File
Mailing Address	2889 BARKLEY AVE, SANTA CLARA, CA 95051-2351
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2012 · Amount on File
Deed Sale	May 30, 2012 · Amount on File
Deed Document Number	201225559
Prior Transfer Date	Aug 23, 1995
Prior Transfer Doc	0000045897
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	25 TOAD HOLW, WATSONVILLE, CA 95076-8330
Document Number	0000044524
Instrument Date	Oct 23, 2020
Transaction Type	Mortgage
Record Updated	Nov 16, 2020
Title Company	SOLIDIFI TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2889 BARKLEY AVE SANTA CLARA CA 950512351, SANTA CLARA, CA 95051-2351

Mortgage

Document Number	0000044524
Date	Oct 28, 2020
Instrument	44524

Lender

Name	CFBANK NA
Address	WORTHINGTON, OH 43085

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 27, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 25 Toad Hollow was $8,069 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		$627,778 (+2%) Land $371,542 Building $256,236
2025	$8,069.00	$615,469 Land $364,257 Building $251,212
2023	$7,127.00 (+2%)	$591,569 Land $350,112 Building $241,457	$953,010
2022	$6,987.00

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

Flood

FEMA maps place 25 Toad Hollow in Zone X, an area of minimal flood risk, though there have been 16 flood claims nearby since 1983.

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 55 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	474 units insured incl. 419 condo units
Nearby Flood Claims	16 (1983–2023)
Claims Outside the SFHA	3 of 16
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms And Flooding, Mar 1998 · 6 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 2 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

Wildfire risk around 25 Toad Hollow is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% 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	SUNSET BEACH MUTUAL WATER CO private · serves 182 people · EPA ID CA4400599
Water Source	Purchased surface water from CITY OF WATSONVILLE
Last State Inspection	Jun 2024
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 56 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Cruzio Fixed Wireless	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250

Cell Coverage

5G and 4G LTE (outdoors only)

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