Santa Cruz County property record for 314 Madison St, Watsonville, CA 95076
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,339 sqft · built 1919 |
| Lot Size | 0.138 acres (6,011 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $149,000 (Dec 2010) |
| Tax Bill | $4,145 (2025) |
| Deeds & Mortgages | Dec 2022 Mortgage Sep 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 018-032-32 |
| Primary APN | 018-032-32 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,339 sqft Living Area |
| Year Built | Built 1919 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Bungalow |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 6,011 sqft (0.138 acres) |
| Garage Type | Attached |
| Garage Area | 300 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Total Buildings | 2 Buildings |
| Heating System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 314 MADISON ST |
|---|---|
| City | WATSONVILLE |
| State | CA |
| Zip | 95076-3931 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 159 |
| Legal Subdivision | WATSONVILLE HEIGHTS SUB #1 |
| Legal Lot Number | 159 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | WATSONVILLE |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 110201 |
Source: Santa Cruz County records, as of August 24, 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 | 216 MOUNT HERMON RD, E333, SCOTTS VALLEY, CA 95066-4030 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 21, 2022 | Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Sep 27, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 23, 2010 · Amount on Record |
| Deed Sale | Dec 23, 2010 · Amount on Record |
| Prior Sale | Jun 17, 2004 · Amount on Record |
| Deed Document Number | 201054240 |
| Last Transfer Date | Sep 20, 2021 |
| Transfer Doc | 0000049170 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 314 MADISON ST, WATSONVILLE, CA 95076-3931 |
| Transaction Type | Mortgage |
| Record Updated | Sep 5, 2023 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Name | Verified Name |
|---|---|
| Address | SCOTTS VALLEY, CA 95066 |
| Document Number | 0000033476 |
|---|---|
| Date | Dec 21, 2022 |
| Instrument | 2022-0033476 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 346 Months |
| Due | Oct 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Sep 27, 2021 |
| Property Address | 314 MADISON ST, WATSONVILLE, CA 95076-3931 |
| Document Number | 0000049170 |
| Map Reference | MB 15 PG 12 |
| Instrument Date | Sep 20, 2021 |
| Instrument | 2021-0049170 |
| Transaction Type | Transfer |
| Record Updated | Sep 5, 2023 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2006 LOCKHART GULCH RD, SCOTTS VALLEY, CA 95066-2953 |
| Document Number | 0000049171 |
|---|---|
| Date | Sep 27, 2021 |
| Instrument | 2021-0049171 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Municipality | Watsonville City |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $311,747 (+2%) Land $122,349 Building $189,398 | ||
| 2025 | $4,145.00 (+12.15%) | $305,634 (+4.04%) Land $119,950 Building $185,684 | |
| 2024 | $3,696.00 (+4.32%) | ||
| 2023 | $3,543.00 (+1.78%) | $293,766 Land $115,292 Building $178,474 | $356,580 |
| 2022 | $3,481.00 |
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 | 1 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 823 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: GeoLinks.
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