2709 E Lake Ave, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 2709 E Lake Ave, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,370 sqft · built 1954
Lot Size	0.583 acres (25,395 sqft)
Owner	2 Individual Names on Record
Last Sale	$535,000 (Oct 2019)
Tax Bill	$7,409 (2025)
Deeds & Mortgages	Oct 2019 Sale & Mortgage Aug 2019 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`051-052-04`

Property Details

APN / Parcel Number

Primary APN	`051-052-04`
Alternative APN	`051-052-04-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	2,370 sqft Living Area
Gross Area	2,985 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	25,395 sqft (0.583 acres)
Garage Type	Attached
Garage Area	615 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	2709 E LAKE AVE
City	WATSONVILLE
State	CA
Zip	95076-1409
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-20
Legal Description	TR 63
Legal Subdivision	SAINT FRANCIS 63
Legal Tract	63
Legal Lot Number	23
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2003
Census Tract	122500

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	2709 E LAKE AVE, WATSONVILLE, CA 95076-1409
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2019	Grant Deed, Transfer · Conventional Mortgage GERALD F ENOMOTO
Aug 6, 2019	Grant Deed, Transfer FIRST AMERICAN TITLE
May 23, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
May 23, 2017	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2019 · Amount on Record
Deed Sale	Oct 9, 2019 · Amount on Record
Prior Sale	Aug 6, 2019 · Amount on Record
Deed Document Number	201931054
Prior Transfer Date	Oct 29, 2009
Prior Transfer Doc	0000053606
Record Updated	Sep 20, 2026

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 9, 2019
Property Address	2709 E LAKE AVE, WATSONVILLE, CA 95076-1409
Document Number	0000031054
Instrument Date	Oct 7, 2019
Instrument	31054
Transaction Type	Transfer
Record Updated	Oct 24, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$588.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2709 E LAKE AVE WATSONVILLE CA 950761409, WATSONVILLE, CA 95076-1409

Mortgage

Document Number	31055
Date	Oct 9, 2019
Instrument	31055

Lender

Name	GERALD F ENOMOTO
Address	521 JOYCE DR, WATSONVILLE, CA 95076-3569
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 6, 2019
Property Address	2709 E LAKE AVE, WATSONVILLE, CA 95076-1409
Document Number	0000022464
Instrument Date	Jul 31, 2019
Instrument	22464
Transaction Type	Transfer
Record Updated	Aug 20, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$577.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 JOYCE DR WATSONVILLE CA 950763569, WATSONVILLE, CA 95076-3569

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	2709 E LAKE AVE, WATSONVILLE, CA 95076-1409
Document Number	0000017902
Instrument Date	May 23, 2017
Transaction Type	Mortgage
Record Updated	Jan 13, 2020
Title Company	DEL NORTE COUNTY TITLE COMPANY, PLACER TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2709 E LAKE AVE WATSONVILLE CA 950761409, WATSONVILLE, CA 95076-1409

Mortgage

Document Number	0000017902
Date	Jun 1, 2017
Instrument	17902

Lender

Name	HUD-HOUSING/URBAN DEV

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.34%

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	2709 E LAKE AVE, WATSONVILLE, CA 95076-1409
Document Number	0000017901
Instrument Date	May 23, 2017
Transaction Type	Mortgage
Record Updated	Jan 13, 2020
Title Company	DEL NORTE COUNTY TITLE COMPANY, PLACER TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2709 E LAKE AVE WATSONVILLE CA 950761409, WATSONVILLE, CA 95076-1409

Mortgage

Document Number	0000017901
Date	Jun 1, 2017
Instrument	17901

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.34%

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		$632,401 (+8.08%) Land $485,251 Building $147,150
2025	$7,409.00 (+13.5%)	$585,101 (+4.04%) Land $475,736 Building $109,365
2023	$6,528.00 (+1.92%) Homeowner's exemption	$562,381 Land $457,263 Building $105,118	$599,580
2022	$6,405.00

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 24 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	24 in force
Nearby Flood Claims	28 (1982–2023)
Most Recent Claim	Mar 2023 · Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Mar 2023 · 6 claims Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 10 claims Severe Winter Storms, Flooding, And Mudslides, Feb 2017 · 6 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

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

Wildfire Risk	Low lower than 63% of the US · lower than 78% of California
Wildfire Likelihood	0.05% 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	ST FRANCIS TRACT WATER SYSTEM private · serves 118 people · EPA ID CA4400557
Water Source	Groundwater
Last State Inspection	May 2025
Lead	Under 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 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cruzio Fixed Wireless	1,000 / 1,000
Spectrum Cable	1,000 / 35
Razzolink Fixed Wireless	500 / 250
Etheric Networks Fixed Wireless	250 / 100

May also be available: Verizon.

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