265 W Phillips Rd, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 265 W Phillips Rd, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,640 sqft · built 1966
Lot Size	0.138 acres (6,011 sqft)
Owner	2 Individual Names on Record
Last Sale	$710,000 (Aug 2019)
Tax Bill	$9,731 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`050-332-08`

Property Details

APN / Parcel Number

Primary APN	`050-332-08`
Alternative APN	`050-332-08-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	1,640 sqft Living Area
Gross Area	2,102 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1995
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	6,011 sqft (0.138 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	265 W PHILLIPS RD
City	WATSONVILLE
State	CA
Zip	95076-0721
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Subdivision	SUNNY MDWS SUB #1 TR #433
Legal Lot Number	36
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1001
Census Tract	123100

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	265 W PHILLIPS RD, WATSONVILLE, CA 95076-0721
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 29, 2019	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2019 · Amount on Record
Deed Sale	Aug 29, 2019 · Amount on Record
Prior Sale	Jun 20, 2014 · Amount on Record
Deed Document Number	201925387
Last Transfer Date	Aug 24, 2020
Transfer Doc	0000033370
Record Updated	Sep 20, 2026

August 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 28, 2020
Property Address	265 W PHILLIPS RD, WATSONVILLE, CA 95076-0721
Document Number	0000033370
Map Reference	MB 42 PG 40
Instrument Date	Aug 24, 2020
Instrument	2020-0033370
Transaction Type	Transfer
Record Updated	Aug 17, 2021
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	265 W PHILLIPS RD, WATSONVILLE, CA 95076-0721

Mortgage

Document Number	0000033371
Date	Aug 28, 2020
Instrument	2020-0033371

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 29, 2019
Property Address	265 W PHILLIPS RD, WATSONVILLE, CA 95076-0721
Document Number	0000025387
Map Reference	MB 42 PG 40
Instrument Date	Aug 22, 2019
Instrument	2019-0025387
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC 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	Tenants in Common
Address	265 W PHILLIPS RD, WATSONVILLE, CA 95076-0721

Mortgage

Document Number	0000025388
Date	Aug 29, 2019
Instrument	2019-0025388

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

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		$792,018 (+2%) Land $514,812 Building $277,206
2025	$9,731.00 (+13.23%)	$776,489 (+4.04%) Land $504,718 Building $271,771
2023	$8,594.00 (+1.85%)	$746,337 Land $485,119 Building $261,218	$765,630
2022	$8,438.00

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
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	13 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

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

Wildfire Risk	Low lower than 95% of the US · lower than 97% of California
Wildfire Likelihood	0.02% 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 144 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Cruzio Fixed Wireless	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
Etheric Networks Fixed Wireless	250 / 100

May also be available: Verizon.

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