292 Smith Rd, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 292 Smith Rd, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,451 sqft · built 1961
Lot Size	3.94 acres (171,888 sqft)
Owner	2 Individual Names on File
Last Sale	$898,000 (Dec 2018)
Tax Bill	$12,280 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Dec 2018 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`109-161-14`

Property Details

APN / Parcel Number

Primary APN	`109-161-14`
Alternative APN	`109-161-14-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Building Area	2,451 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1990
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	171,888 sqft
Terrain	Steep
View / Lot	Mountain
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Deck Area	1,303 sqft
Patio Area	1,303 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	292 SMITH RD
City	WATSONVILLE
State	CA
Zip	95076-9727
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Subdivision	SALSIPUEDES RHO
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1022
Census Tract	122401

Owner

Source: Santa Cruz County records · APN 109-161-14

Assessment roll updated August 19, 2026 · Last verified August 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 File
Mailing Address	292 SMITH RD, WATSONVILLE, CA 95076-9727
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Dec 09, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Dec 28, 2018	Grant Deed, Transfer · ARM GUARANTEED RATE AFFINITY LLC
May 17, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
May 17, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 28, 2018 · Amount on Record
Deed Sale	Dec 28, 2018 · Amount on Record
Prior Sale	Jun 15, 2004 · Amount on Record
Deed Document Number	201838690
Prior Transfer Date	May 16, 2018
Prior Transfer Doc	0000014930
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	292 SMITH RD, WATSONVILLE, CA 95076-9727
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	OLD REPUBLIC TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	292 SMITH RD, WATSONVILLE, CA 95076-9727

Mortgage

Document Number	0000053020
Date	Dec 09, 2020
Instrument	2020-0053020

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2051

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 28, 2018
Property Address	292 SMITH RD, WATSONVILLE, CA 95076-9727
Document Number	0000038690
Instrument Date	Dec 21, 2018
Instrument	2018-0038690
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	Community Property with Right of Survivorship
Address	292 SMITH RD, WATSONVILLE, CA 95076-9727

Mortgage

Document Number	0000038691
Date	Dec 28, 2018
Instrument	2018-0038691

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Non-Lending Institution

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Jan 01, 2034
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.37%
Index	1-Year LIBOR
Max Rate	9.37%

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 17, 2018
Property Address	292 SMITH RD, WATSONVILLE, CA 95076-9727
Document Number	0000014931
Instrument Date	May 16, 2018
Instrument	14931
Transaction Type	Transfer
Record Updated	Jun 01, 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
Address	292 SMITH RD WATSONVILLE CA 950769727, WATSONVILLE, CA 95076-9727

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 17, 2018
Property Address	292 SMITH RD, WATSONVILLE, CA 95076-9727
Document Number	0000014930
Instrument Date	May 16, 2018
Instrument	14930
Transaction Type	Transfer
Record Updated	Jun 01, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	292 SMITH RD WATSONVILLE CA 950769727, WATSONVILLE, CA 95076-9727

Tax Assessment & Valuation

Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,021,771 (+2%) Land $568,915 Building $452,856
2025	$12,280.00 (+13.11%) Homeowner's exemption	$1,001,737 (+4.04%) Land $557,760 Building $443,977
2023	$10,857.00 (+1.84%) Homeowner's exemption	$962,837 Land $536,101 Building $426,736	$940,050
2022	$10,661.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 10, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	5 in force
Nearby Flood Claims	2 (1996–2023)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 2023 · Severe Storm And Flooding

Wildfire

Wildfire Risk	Moderate above 69% of the US · above 44% of California
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cruzio Internet Fixed Wireless	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20
Etheric Communications, LLC. Fixed Wireless	250 / 100

Based on FCC filings for 20 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Smith Rd

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