260 Big Tree Ln, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 260 Big Tree Ln, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	6 bd · 4.5 ba · 4,002 sqft · built 1976
Lot Size	4.36 acres (190,139 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,190,000 (May 2018)
Tax Bill	$16,151 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`049-121-70`

Property Details

APN / Parcel Number

Primary APN	`049-121-70`
Alternative APN	`049-121-70-000`

Interior

Bedrooms	6 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	13 Rooms
Building Area	4,002 sqft Living Area
Gross Area	4,418 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	190,139 sqft
Terrain	Steep
View / Lot	Mountain
Garage Type	Attached
Garage Area	416 sqft
Parking Spaces	2 Parking Spaces
Deck Area	1,089 sqft
Patio Area	1,089 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	260 BIG TREE LN
City	WATSONVILLE
State	CA
Zip	95076-8306
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Subdivision	SAN ANDRES RANCHO
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2021
Census Tract	122402

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	2 Individual Names on Record
Mailing Address	260 BIG TREE LN, WATSONVILLE, CA 95076-8306
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Oct 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
May 22, 2018	Grant Deed, Transfer · Conventional Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2018 · Amount on Record
Deed Sale	May 22, 2018 · Amount on Record
Prior Sale	Feb 1, 2005 · Amount on Record
Deed Document Number	201815400
Prior Transfer Date	Jan 19, 2005
Prior Transfer Doc	0000006956
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	260 BIG TREE LN, WATSONVILLE, CA 95076-8306
Transaction Type	Mortgage
Record Updated	Sep 28, 2021
Title Company	BOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	260 BIG TREE LN, WATSONVILLE, CA 95076-8306

Mortgage

Document Number	0000046953
Date	Sep 13, 2021
Instrument	2021-0046953

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

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

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	260 BIG TREE LN, WATSONVILLE, CA 95076-8306
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	RADIAN SETTLEMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	260 BIT TREE LANE, WATSONVILLE, CA 95076-8306

Mortgage

Document Number	0000040467
Date	Oct 7, 2020
Instrument	2020-0040467

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 22, 2018
Property Address	260 BIG TREE LN, WATSONVILLE, CA 95076-8306
Document Number	0000015400
Map Reference	VOL 23 PG 22
Instrument Date	May 17, 2018
Instrument	2018-0015400
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	260 BIG TREE LN, WATSONVILLE, CA 95076-8306

Mortgage

Document Number	0000015401
Date	May 22, 2018
Instrument	2018-0015401

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

Mortgage

Document Number	0000015402
Date	May 22, 2018
Instrument	2018-0015402

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 23, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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		$1,381,097 (+2%) Land $742,775 Building $638,322
2025	$16,151.00 (+9.22%) Homeowner's exemption	$1,354,017 (+4.04%) Land $728,211 Building $625,806
2023	$14,787.00 (+1.87%) Homeowner's exemption	$1,301,439 Land $699,934 Building $601,505	$1,293,030
2022	$14,515.00

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	3 (2016–2023)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Mar 2023 · Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides

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	Moderate above 57% of the US · lower than 65% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025

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

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

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