28 Firethorne Way, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 28 Firethorne Way, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,058 sqft · built 1999
Lot Size	0.086 acres (3,746 sqft)
Owner	2 Individual Names on Record
Last Sale	$772,000 (Oct 2005)
Tax Bill	$11,356 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`016-411-38`

Property Details

APN / Parcel Number

Primary APN	`016-411-38`
Alternative APN	`016-411-38-000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	2,058 sqft Living Area
Gross Area	2,469 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2005
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	3,746 sqft (0.086 acres)
Garage Type	Attached
Garage Area	411 sqft
Parking Spaces	2 Parking Spaces
Deck Area	310 sqft
Patio Area	310 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	28 FIRETHORNE WAY
City	WATSONVILLE
State	CA
Zip	95076-6015
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	GREEN VLY HLNDS 02 PH 02
Legal Lot Number	32
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1009
Census Tract	110506

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	28 FIRETHORNE WAY, WATSONVILLE, CA 95076-6015
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC
Jun 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HM LOANS
Jul 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2005 · Amount on Record
Deed Sale	Oct 27, 2005 · Amount on Record
Prior Sale	Sep 2, 1999 · Amount on Record
Deed Document Number	200575785
Prior Transfer Date	Oct 19, 2005
Prior Transfer Doc	0000075786
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	28 FIRETHORNE WAY, WATSONVILLE, CA 95076-6015
Transaction Type	Mortgage
Record Updated	Oct 21, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 FIRETHORNE WAY, CORRALITOS, CA 95076-6015

Mortgage

Document Number	0000050647
Date	Oct 6, 2021
Instrument	2021-0050647

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

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

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	28 FIRETHORNE WAY, WATSONVILLE, CA 95076-6015
Document Number	0000020180
Instrument Date	Jun 2, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2020
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	28 FIRETHORNE WAY WATSONVILLE CA 950766015, WATSONVILLE, CA 95076-6015

Mortgage

Document Number	0000020180
Date	Jun 10, 2020
Instrument	20180

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 9, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	28 FIRETHORNE WAY, WATSONVILLE, CA 95076-6015
Document Number	0000019481
Instrument Date	Jul 8, 2019
Transaction Type	Mortgage
Record Updated	Jul 22, 2019
Title Company	MIS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	28 FIRETHORNE WAY WATSONVILLE CA 950766015, WATSONVILLE, CA 95076-6015

Mortgage

Document Number	0000019481
Date	Jul 12, 2019
Instrument	19481

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 11, 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
Municipality	Watsonville City
Unified School District	Pajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$910,000 (+1.22%) Land $546,006 Building $363,994
2025	$11,356.00 (+13.01%) Homeowner's exemption	$899,000 (+4.28%) Land $539,406 Building $359,594
2023	$10,049.00 (+5.5%) Homeowner's exemption	$862,071 Land $517,247 Building $344,824	$787,140
2022	$9,525.00

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	2 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	Not rated no burnable land within 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 565 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Cruzio Fixed Wireless	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
Etheric Networks Fixed Wireless	250 / 100
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile, Verizon.

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