Santa Cruz County property record for 315 Main St, Watsonville, CA 95076
| Property Type | Mixed Use Store/Office |
|---|---|
| Details | built 1999 |
| Lot Size | 0.404 acres (17,598 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $18,762 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Dec 2017 Loan Modification |
| Flood Zone | Zone AH (high risk) |
| APN | 017-111-40 |
| Primary APN | 017-111-40 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Construction Type | Wood |
| Fire Resistance | Wood or Wood & Steel Frame |
| Lot Area | 17,598 sqft (0.404 acres) |
| Street Address | 311 MAIN ST |
|---|---|
| City | WATSONVILLE |
| State | CA |
| Zip | 95076-4601 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Mixed Use Store/Office |
| Legal Subdivision | LANDS/RAMIRO & STELLA ROMO |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | WATSONVILLE |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 110301 |
315 Main St, a commercial property, is owned by two individuals.
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 315 MAIN ST, 202, WATSONVILLE, CA 95076-4650 |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| Nov 24, 2021 | Deed of Trust, Mortgage HERITAGE BANK OF COMMERCE |
| Dec 7, 2017 | Loan Modification, Mortgage RABOBANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 323 MAIN ST, WATSONVILLE, CA 95076-4601 |
| Transaction Type | Mortgage |
| Record Updated | Sep 5, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 532 BREWINGTON AVE, WATSONVILLE, CA 95076-4027 |
| Document Number | 0000057853 |
|---|---|
| Date | Nov 24, 2021 |
| Instrument | 2021-0057853 |
| Name | HERITAGE BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Address | SAN JOSE, CA 95110 |
| Amount | Amount on Record |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Dec 7, 2017 |
| Property Address | 311 MAIN ST, WATSONVILLE, CA 95076-4601 |
| Instrument Date | Nov 17, 2017 |
| Instrument | 41494 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 532 BREWINGTON AVE WATSONVILLE CA 950764027, WATSONVILLE, CA 95076-4027 |
| Document Number | 0000041494 |
|---|---|
| Date | Dec 7, 2017 |
| Instrument | 41494 |
| Name | RABOBANK |
|---|---|
| Type | Bank |
| Address | PO BOX 6010, SANTA MARIA, CA 93456-6010 |
| Amount | Amount on Record |
|---|
The 2025 property tax bill for 315 Main St was $18,762.
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 |
|---|---|---|
| 2026 | $1,334,567 (+2%) Land $334,588 Building $999,979 | |
| 2025 | $18,762.00 | $1,308,399 Land $328,027 Building $980,372 |
| 2023 | $16,794.00 (+2.02%) | $1,257,592 Land $315,289 Building $942,303 |
| 2022 | $16,461.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 315 Main St in Zone AH, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AH high risk · shallow ponding 1–3 ft |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 27 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 27 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.
The area around 315 Main St has no burnable land within ember reach, so its wildfire risk is not rated.
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 464 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Cruzio Fixed Wireless | 1,000 / 1,000 |
| Razzolink Fixed Wireless | 500 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
May also be available: Etheric Networks, Verizon.
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