260 Monte Sereno, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 260 Monte Sereno, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,713 sqft · built 2000
Lot Size	3.86 acres (168,316 sqft)
Owner	2 Individual Names on Record
Last Sale	$835,000 (Sep 2012)
Tax Bill	$11,814 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`109-351-11`

Property Details

APN / Parcel Number

Primary APN	`109-351-11`
Alternative APNs	`109-351-11-000` `10911233000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Building Area	2,713 sqft Living Area
Gross Area	3,805 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	168,316 sqft
Terrain	Steep
Garage Type	Attached
Garage Area	1,092 sqft
Parking Spaces	4 Parking Spaces
Deck Area	13 sqft
Patio Area	13 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	260 MONTE SERENO
City	WATSONVILLE
State	CA
Zip	95076-8678
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Subdivision	RANCHO SALSIPUEDES
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1022
Census Tract	122401

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 MONTE SERENO, WATSONVILLE, CA 95076-8678
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2023	Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN
Jul 8, 2020	Deed of Trust, Mortgage NAVY FCU
Aug 11, 2017	Deed of Trust, Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2012 · Amount on Record
Deed Sale	Sep 27, 2012 · Amount on Record
Prior Sale	Jun 30, 2005 · Amount on Record
Deed Document Number	201247025
Prior Transfer Date	Sep 17, 2012
Prior Transfer Doc	0000064638
Record Updated	Sep 20, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	260 MONTE SERENO, WATSONVILLE, CA 95076-8678
Transaction Type	Mortgage
Record Updated	Mar 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	260 MONTE SERENO, WATSONVILLE, CA 95076-8678

Mortgage

Document Number	0000004580
Date	Mar 17, 2023
Instrument	2023-0004580

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	EL PASO, TX 79925

Agreement

Type	SBA Mortgage
Amount	Amount Recorded

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	260 MONTE SERENO, WATSONVILLE, CA 95076-8678
Document Number	0000025320
Instrument Date	Jul 8, 2020
Transaction Type	Mortgage
Record Updated	Aug 4, 2020
Title Company	NAVY FEDERAL TITLE/CALIFORNIA, NAVY FED'L TITLE/CALIFORNIA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	260 MONTE SERENO WATSONVILLE CA 950768678, WATSONVILLE, CA 95076-8678

Mortgage

Document Number	0000025320
Date	Jul 13, 2020
Instrument	25320

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 12, 2050

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	260 MONTE SERENO, WATSONVILLE, CA 95076-8678
Document Number	0000027018
Instrument Date	Aug 11, 2017
Transaction Type	Mortgage
Record Updated	Sep 1, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	260 MONTE SERENO WATSONVILLE CA 950768678, WATSONVILLE, CA 95076-8678

Mortgage

Document Number	0000027018
Date	Aug 16, 2017
Instrument	27018

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 15, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.62%

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		$981,106 (+2%) Land $415,880 Building $565,226
2025	$11,814.00 (+6.12%) Homeowner's exemption	$961,870 (-2.68%) Land $407,726 Building $554,144
2023	$11,133.00 (+1.84%) Homeowner's exemption	$988,316 Land $455,690 Building $532,626	$1,362,870
2022	$10,932.00

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	5 in force
Nearby Flood Claims	2 (1996–2023)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 2023 · Severe Storm And Flooding

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 69% of the US · above 44% of California
Wildfire Likelihood	0.3% 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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cruzio Fixed Wireless	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100

Cell Coverage

5G and 4G LTE (outdoors only)

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