Santa Cruz County property record for 295 Wheelock Rd, Watsonville, CA 95076
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,586 sqft · built 1918 |
| Lot Size | 3.91 acres (170,320 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $1,410,000 (Jun 2026) |
| Tax Bill | $10,241 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Jan 2026 Transfer + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 109-142-03 |
| Primary APN | 109-142-03 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Building Area | 1,586 sqft Living Area |
| Gross Area | 2,066 sqft |
| Year Built | Built 1918 |
|---|---|
| Effective Year Built | Effective 2013 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 170,320 sqft |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | HVAC |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Old Parcel Number | 10914203000 |
|---|---|
| Street Address | 295 WHEELOCK RD |
| City | WATSONVILLE |
| State | CA |
| Zip | 95076-8688 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Subdivision | RANCHO CORRALITOS |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | WATSONVILLE |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 122401 |
Source: Santa Cruz County records, as of August 19, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 295 WHEELOCK RD, WATSONVILLE, CA 95076-8688 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| Jun 17, 2026 | Grant Deed, Transfer · Conventional Mortgage MEGA CAPITAL FUNDING |
| Jan 30, 2026 | Intrafamily Transfer, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Jan 30, 2026 | Intrafamily Transfer, Transfer · Line of Credit BAY FCU |
| Dec 21, 2023 | Intrafamily Transfer, Transfer |
| Dec 21, 2023 | Intrafamily Transfer, Transfer |
| Jan 28, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC |
| Mar 2, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage COMMERCE HOME MORTGAGE LLC |
| Feb 9, 2021 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 17, 2026 · Amount on Record |
| Deed Sale | Jun 17, 2026 · Amount on Record |
| Prior Sale | Mar 6, 2014 · Amount on Record |
| Deed Document Number | 202613756 |
| Prior Transfer Date | Dec 18, 2023 |
| Prior Transfer Doc | 0000024824 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Jun 17, 2026 |
| Property Address | 295 WHEELOCK RD, WATSONVILLE, CA 95076-8688 |
| Document Number | 0000013756 |
| Instrument Date | May 27, 2026 |
| Instrument | 202613756 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2026 |
| Title Company | STEWART TITLE, STEWART TITLE OF CALIFORNIA |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $156,651.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 295 WHEELOCK RD, WATSONVILLE, CA 95076-8688 |
| Document Number | 0000013757, |
|---|---|
| Date | Jun 17, 2026 |
| Instrument | 202613757 |
| Name | MEGA CAPITAL FUNDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Jan 30, 2026 |
| Property Address | 295 WHEELOCK RD, WATSONVILLE, CA 95076-8688 |
| Document Number | 0000002081 |
| Map Reference | VOL 220 PG 152 |
| Instrument Date | Jan 26, 2026 |
| Instrument | 2026-0002081 |
| Transaction Type | Transfer |
| Record Updated | Feb 11, 2026 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 295 WHEELOCK RD, WATSONVILLE, CA 95076-8688 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Jan 30, 2026 |
| Property Address | 295 WHEELOCK RD, WATSONVILLE, CA 95076-8688 |
| Document Number | 0000002074 |
| Map Reference | VOL 220 PG 152 |
| Instrument Date | Jan 26, 2026 |
| Instrument | 2026-0002074 |
| Transaction Type | Transfer |
| Record Updated | Feb 11, 2026 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 295 WHEELOCK RD, WATSONVILLE, CA 95076-8688 |
| Document Number | 0000002075 |
|---|---|
| Date | Jan 30, 2026 |
| Instrument | 2026-0002075 |
| Name | BAY FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Feb 15, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Dec 21, 2023 |
| Property Address | 295 WHEELOCK RD, WATSONVILLE, CA 95076-8688 |
| Document Number | 0000024824 |
| Instrument Date | Dec 18, 2023 |
| Instrument | 2023-0024824 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 28 FRUITLAND AVE, ROYAL OAKS, CA 95076-5441 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Dec 21, 2023 |
| Property Address | 295 WHEELOCK RD, WATSONVILLE, CA 95076-8688 |
| Document Number | 0000024826 |
| Instrument Date | Dec 18, 2023 |
| Instrument | 2023-0024826 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 295 WHEELOCK RD, WATSONVILLE, CA 95076-8688 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Jan 28, 2022 |
| Property Address | 295 WHEELOCK RD, WATSONVILLE, CA 95076-8688 |
| Document Number | 0000003030 |
| Map Reference | VOL 220 PG 152 |
| Instrument Date | Jan 20, 2022 |
| Instrument | 2022-0003030 |
| Transaction Type | Transfer |
| Record Updated | May 30, 2023 |
| Title Company | PLACER TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 295 WHEELOCK RD, WATSONVILLE, CA 95076-8688 |
| Document Number | 0000003031 |
|---|---|
| Date | Jan 28, 2022 |
| Instrument | 2022-0003031 |
| Name | WYNDHAM CAPITAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Mar 2, 2021 |
| Property Address | 295 WHEELOCK RD, WATSONVILLE, CA 95076-8688 |
| Document Number | 0000012714 |
| Instrument Date | Mar 1, 2021 |
| Instrument | 2021-0012714 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2022 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 295 WHEELOCK RD, WATSONVILLE, CA 95076-8688 |
| Document Number | 0000012715 |
|---|---|
| Date | Mar 2, 2021 |
| Instrument | 2021-0012715 |
| Name | COMMERCE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Feb 9, 2021 |
| Property Address | 295 WHEELOCK RD, WATSONVILLE, CA 95076-8688 |
| Document Number | 0000007975 |
| Map Reference | VOL 220 PG 152 |
| Instrument Date | Feb 5, 2021 |
| Instrument | 2021-0007975 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 295 WHEELOCK RD, WATSONVILLE, CA 95076-8688 |
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $844,006 (+2%) Land $548,667 Building $295,339 | ||
| 2025 | $10,241.00 (+13.24%) | $827,458 (+4.04%) Land $537,909 Building $289,549 | |
| 2023 | $9,044.00 (+1.86%) Homeowner's exemption | $795,326 Land $517,021 Building $278,305 | $963,450 |
| 2022 | $8,879.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 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 |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 52% of the US · lower than 69% of California |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 26 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Etheric Networks Fixed Wireless | 250 / 100 |
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