28 Lower Cutter Dr, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 28 Lower Cutter Dr, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 945 sqft · built 1948
Lot Size	0.275 acres (11,979 sqft)
Owner	2 Trust Names on Record
Last Sale	$529,000 (Jun 2017)
Tax Bill	$8,448 (2025)
Deeds & Mortgages	Mar 2021 Transfer Mar 2021 Transfer + 4 more
Flood Zone	Zone A (high risk)
APN	`051-142-20`

Property Details

APN / Parcel Number

Primary APN	`051-142-20`
Alternative APN	`051-142-20-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	945 sqft Living Area
Gross Area	1,145 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	11,979 sqft (0.275 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	200 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	28 LOWER CUTTER DR
City	WATSONVILLE
State	CA
Zip	95076-2217
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6-GH
Legal Subdivision	SALSIPUEDES RHO
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1000
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 Trust Names on Record
Mailing Address	28 LOWER CUTTER DR, WATSONVILLE, CA 95076-2217
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2021	Intrafamily Transfer, Transfer
Mar 23, 2021	Intrafamily Transfer, Transfer
Nov 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION
Mar 23, 2021	Intrafamily Transfer, Transfer
Sep 5, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 30, 2017	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2017 · Amount on Record
Deed Sale	Jun 30, 2017 · Amount on Record
Prior Sale	Mar 16, 2010 · Amount on Record
Deed Document Number	201721593
Last Transfer Date	Oct 9, 2019
Transfer Doc	0000016880
Record Updated	Sep 20, 2026

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 23, 2021
Property Address	28 LOWER CUTTER DR, WATSONVILLE, CA 95076-2217
Document Number	0000016881
Instrument Date	Mar 19, 2021
Instrument	2021-0016881
Transaction Type	Transfer
Record Updated	Aug 17, 2021

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
Address	28 LOWER CUTTER DR, WATSONVILLE, CA 95076-2217

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 23, 2021
Property Address	28 LOWER CUTTER DR, WATSONVILLE, CA 95076-2217
Document Number	0000016882
Instrument Date	Mar 19, 2021
Instrument	2021-0016882
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Family Trust
Address	28 LOWER CUTTER DR, WATSONVILLE, CA 95076-2217

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	28 LOWER CUTTER DR, WATSONVILLE, CA 95076-2217
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 LOWER CUTTER DR, WATSONVILLE, CA 95076-2217

Mortgage

Document Number	0000049159
Date	Nov 19, 2020
Instrument	2020-0049159

Lender

Name	OWNING CORPORATION
Type	Non-Lending Institution
Address	ORANGE, CA 92868

Agreement

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

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 23, 2021
Property Address	28 LOWER CUTTER DR, WATSONVILLE, CA 95076-2217
Document Number	0000016880
Instrument Date	Oct 9, 2019
Instrument	2021-0016880
Transaction Type	Transfer
Record Updated	Aug 17, 2021

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
Address	28 LOWER CUTTER DR, WATSONVILLE, CA 95076-2217

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 5, 2018
Property Address	28 LOWER CUTTER DR, WATSONVILLE, CA 95076-2217
Document Number	0000027129
Instrument Date	Aug 30, 2018
Instrument	27129
Transaction Type	Transfer
Record Updated	Sep 19, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	28 LOWER CUTTER DR WATSONVILLE CA 950762217, WATSONVILLE, CA 95076-2217

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 30, 2017
Property Address	28 LOWER CUTTER DR, WATSONVILLE, CA 95076-2217
Document Number	0000021593
Instrument Date	Jun 23, 2017
Instrument	2017-0021593
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 LOWER CUTTER DR, WATSONVILLE, CA 95076-2217

Mortgage

Document Number	0000021594
Date	Jun 30, 2017
Instrument	2017-0021594

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

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		$613,829 (+2%) Land $509,033 Building $104,796
2025	$8,448.00 (+10.42%)	$601,793 (+4.04%) Land $499,052 Building $102,741
2024	$7,651.00 (+2.7%)
2023	$7,450.00 (+1.93%) Homeowner's exemption	$578,424 Land $479,673 Building $98,751	$565,740
2022	$7,309.00

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 63 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	63 in force
Nearby Flood Claims	54 (1995–2023)
Most Recent Claim	Mar 2023 · Severe Storm And Flooding
Claims by Event	Severe Storm And Flooding, Mar 2023 · 3 claims Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Mar 2023 · 17 claims Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 28 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 66% of the US · lower than 80% of California
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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 153 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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