25 W Front St, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 25 W Front St, Watsonville, CA 95076

Property Summary

Property Type	Townhouse
Details	3 bd · 2 ba · 1,631 sqft · built 1990
Lot Size	0.018 acres (784 sqft)
Owner	Individual Name on Record
Last Sale	$520,000 (Apr 2021)
Tax Bill	$7,494 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone AO (high risk)
APN	`017-511-05`

Property Details

APN / Parcel Number

Primary APN	`017-511-05`
Alternative APN	`017-511-05-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,631 sqft Living Area
Gross Area	2,081 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2000
Architectural Style	Townhouse
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	784 sqft (0.018 acres)
Garage Type	Attached
Garage Area	450 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	25 W FRONT ST
City	WATSONVILLE
State	CA
Zip	95076-4907
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	MAP G3 1015
Legal Subdivision	RIVERFRONT TWNHMS TR 1307
Legal Lot Number	5
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2022
Census Tract	110401

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	PO BOX 8086, SANTA CRUZ, CA 95061-8086
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2021	Grant Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP
Dec 7, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Feb 27, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 23, 2021 · Amount on Record
Deed Sale	Apr 23, 2021 · Amount on Record
Prior Sale	Jun 14, 2012 · Amount on Record
Deed Document Number	202123351
Prior Transfer Date	Feb 19, 2019
Prior Transfer Doc	0000005069
Record Updated	Sep 20, 2026

April 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 23, 2021
Property Address	25 W FRONT ST, WATSONVILLE, CA 95076-4907
Document Number	0000023351
Map Reference	MB 81 PG 1
Instrument Date	Apr 19, 2021
Instrument	2021-0023351
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$572.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 8086, SANTA CRUZ, CA 95061-8086

Mortgage

Document Number	0000023352
Date	Apr 23, 2021
Instrument	2021-0023352

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 7, 2020
Property Address	25 W FRONT ST, WATSONVILLE, CA 95076-4907
Document Number	0000052476
Map Reference	MB 81 PG 1
Instrument Date	Dec 1, 2020
Instrument	2020-0052476
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

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	Community Property with Right of Survivorship
Address	25 W FRONT ST, WATSONVILLE, CA 95076-4907

Mortgage

Document Number	0000052477
Date	Dec 7, 2020
Instrument	2020-0052477

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2041

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 27, 2019
Property Address	25 W FRONT ST, WATSONVILLE, CA 95076-4907
Document Number	0000005069
Instrument Date	Feb 19, 2019
Instrument	5069
Transaction Type	Transfer
Record Updated	Mar 14, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	240 WESTGATE DR #241 WATSONVILLE CA 950762453, 241, WATSONVILLE, CA 95076-2453

Tax Assessment & Valuation

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		$574,122 (+2%) Land $384,662 Building $189,460
2025	$7,494.00 (+12.88%)	$562,864 (+4.04%) Land $377,119 Building $185,745
2023	$6,639.00 (+1.84%)	$541,008 Land $362,475 Building $178,533	$520,290
2022	$6,519.00

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

Flood

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

FEMA Flood Zone	Zone AO high risk · sheet flow 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 Record median of 90 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	92 units insured incl. 2 condo units

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

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

Wildfire Risk	Low lower than 98% of the US · lower than 98.4% 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	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 394 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile, Verizon.

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