275 W Phillips Rd, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 275 W Phillips Rd, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,408 sqft · built 1966
Lot Size	0.159 acres (6,926 sqft)
Owner	2 Individual Names on File
Last Sale	$490,000 (Jul 2003)
Tax Bill	$8,797 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Dec 2018 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`050-332-09`

Property Details

APN / Parcel Number

Primary APN	`050-332-09`
Alternative APN	`050-332-09-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,408 sqft Living Area
Gross Area	1,808 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Contemporary
Exterior Material	Wood
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	6,926 sqft (0.159 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	275 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 Description	TRACT 433 LOT 37
Legal Subdivision	TRACT 433 SUNNY MEADOWS
Legal Tract	433
Legal Lot Number	37
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1001
Census Tract	123100

Owner

275 W Phillips Rd is owned and occupied by two individuals who acquired it in August 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	275 W PHILLIPS RD, WATSONVILLE, CA 95076-0721
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2021	Correction Deed · Conventional Mortgage EVERETT FINANCIAL INC
Dec 26, 2018	Deed of Trust, Mortgage · Stand-Alone Second Mortgage BAY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2003 · Amount on File
Deed Sale	Jul 18, 2003 · Amount on File
Prior Sale	Mar 31, 2000 · Amount on File
Deed Document Number	200370568
Last Transfer Date	Aug 19, 2021
Transfer Doc	0000044140
Record Updated	Sep 20, 2026

August 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 25, 2021
Property Address	275 W PHILLIPS RD, WATSONVILLE, CA 95076-0721
Document Number	0000044140
Map Reference	MB 42 PG 40
Instrument Date	Aug 19, 2021
Instrument	2021-0044140
Record Updated	May 30, 2023
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	275 W PHILLIPS RD, ROYAL OAKS, CA 95076-0721

Mortgage

Document Number	0000044141
Date	Aug 25, 2021
Instrument	2021-0044141

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company
Address	DALLAS, TX 75254

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	275 W PHILLIPS RD, WATSONVILLE, CA 95076-0721
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038387
Date	Dec 26, 2018
Instrument	2018-0038387

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2039

Tax Assessment & Valuation

The 2025 property tax bill for 275 W Phillips Rd was $8,797.

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		$710,616 (+2%) Land $456,826 Building $253,790
2025	$8,797.00	$696,683 Land $447,869 Building $248,814
2023	$7,764.00 (+1.86%)	$669,629 Land $430,477 Building $239,152	$762,660
2022	$7,622.00

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

Flood

FEMA maps place 275 W Phillips Rd in Zone X, an area of minimal flood risk.

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 File 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

Wildfire risk around 275 W Phillips Rd is low, with a 0.02% annual chance of 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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