298 Hames Rd, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 298 Hames Rd, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 4,006 sqft · built 1952
Lot Size	6.2 acres (270,072 sqft)
Owner	2 Company Names on Record
Tax Bill	$12,108 (2025)
Deeds & Mortgages	Feb 2019 Mortgage Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`107-461-31`

Property Details

APN / Parcel Number

Primary APN	`107-461-31`
Alternative APN	`107-461-31-000`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Building Area	4,006 sqft Living Area
Gross Area	5,036 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	270,072 sqft
Terrain	Steep
Garage Type	Attached
Garage Area	630 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	4 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	298 HAMES RD
City	WATSONVILLE
State	CA
Zip	95076-0206
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	1002
Census Tract	122402

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 Company Names on Record
Mailing Address	PO BOX 1451, SOQUEL, CA 95073-1451
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Jan 22, 2018	Deed of Trust, Mortgage OPES ADVISORS

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	298 HAMES RD, WATSONVILLE, CA 95076-0206
Transaction Type	Mortgage
Record Updated	Aug 19, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003641
Date	Feb 12, 2019
Instrument	2019-0003641

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	298 HAMES RD, WATSONVILLE, CA 95076-0206
Document Number	0000002641
Instrument Date	Jan 22, 2018
Transaction Type	Mortgage
Record Updated	Feb 13, 2018
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 1451 SOQUEL CA 950731451, SOQUEL, CA 95073-1451

Mortgage

Document Number	0000002641
Date	Jan 26, 2018
Instrument	2641

Lender

Name	OPES ADVISORS
Address	TROY, MI 48098

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 25, 2048

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		$1,021,198 (+2%) Land $594,718 Building $426,480
2025	$12,108.00 (+6.56%) Homeowner's exemption	$1,001,174 (+4.06%) Land $583,056 Building $418,118
2023	$11,363.00 (+1.99%) Homeowner's exemption	$962,158 Land $560,416 Building $401,742	$1,292,400
2022	$11,141.00

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	6 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	Moderate above 61% of the US · lower than 62% of California
Wildfire Likelihood	0.1% 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 147 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
Etheric Networks Fixed Wireless	250 / 100

May also be available: Cruzio.

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