320 E Lake Ave, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 320 E Lake Ave, Watsonville, CA 95076

Property Summary

Property Type	Commercial Office
Details	built 1921
Lot Size	0.176 acres (7,667 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (Sep 2019)
Tax Bill	$8,152 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Sep 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`017-041-51`

Property Details

APN / Parcel Number

Primary APN	`017-041-51`
Alternative APN	`017-041-51-000`

Interior

Stories	2 Stories

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1950
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	7,667 sqft (0.176 acres)

Location & Zoning

Street Address	320 E LAKE AVE
City	WATSONVILLE
State	CA
Zip	95076-4807
Property Category	Commercial
Property Type	Commercial > Office > Commercial Office
Legal Subdivision	EAST LAKE AVENUE
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1002
Census Tract	110102

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	Individual Name on Record
Mailing Address	320 E LAKE AVE, WATSONVILLE, CA 95076-4807
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage CAPITAL LLC
Sep 20, 2017	Deed of Trust, Mortgage · Commercial Mortgage UNITED WHOLESALE MORTGAGE
Sep 20, 2019	Grant Deed, Transfer QUICKEN LNS
Aug 2, 2019	Grant Deed, Transfer FIRST AMERICAN TITLE
Feb 23, 2017	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 20, 2019 · Amount on Record
Deed Sale	Sep 20, 2019 · Amount on Record
Prior Sale	Aug 2, 2019 · Amount on Record
Deed Document Number	201928490
Prior Transfer Date	Nov 3, 2011
Prior Transfer Doc	0000045725
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 2, 2026
Property Address	320 E LAKE AVE, WATSONVILLE, CA 95076-4807
Document Number	0000015184
Instrument Date	Jun 19, 2026
Instrument	202615184
Transaction Type	Mortgage
Record Updated	Jul 14, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	3021 PIONEER CT, AROMAS, CA 95004-9707

Mortgage

Document Number	0000015184,
Date	Jul 2, 2026
Instrument	202615184

Lender

Name	CAPITAL LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.51%
Max Rate	-1%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	320 E LAKE AVE, WATSONVILLE, CA 95076-4807
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031337
Date	Sep 20, 2017
Instrument	2017-0031337

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 20, 2019
Property Address	320 E LAKE AVE, WATSONVILLE, CA 95076-4807
Document Number	0000028490
Instrument Date	Sep 18, 2019
Instrument	28490
Transaction Type	Transfer
Record Updated	Oct 3, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$110.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3021 PIONEER CT AROMAS CA 950049707, AROMAS, CA 95004-9707

Mortgage

Document Number	28491
Date	Sep 20, 2019
Instrument	28491

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 19, 2049

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 2, 2019
Property Address	320 E LAKE AVE, WATSONVILLE, CA 95076-4807
Document Number	0000022098
Instrument Date	Jul 24, 2019
Instrument	22098
Transaction Type	Transfer
Record Updated	Aug 22, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$110.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3021 PIONEER CT AROMAS CA 950049707, AROMAS, CA 95004-9707

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 23, 2017
Property Address	320 E LAKE AVE, WATSONVILLE, CA 95076-4807
Document Number	0000006547
Instrument Date	Feb 22, 2017
Instrument	6547
Transaction Type	Transfer
Record Updated	Mar 16, 2017

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	734 E LAKE AVE #6 WATSONVILLE CA 950763567, 6, WATSONVILLE, CA 95076-3567

Tax Assessment & Valuation

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Municipality	Watsonville City
Unified School District	Pajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$645,327 (+2%) Land $297,017 Building $348,310
2025	$8,152.00 (+13.03%)	$632,673 (+4.04%) Land $291,193 Building $341,480
2023	$7,212.00 (+1.78%)	$608,106 Land $279,886 Building $328,220
2022	$7,086.00

Assessed value is set for property tax purposes and is not a market price estimate.

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
Flood Insurance Cost	Premium on Record median of 18 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	21 units insured incl. 3 condo units
Nearby Flood Claims	6 (2022)
Most Recent Claim	Dec 2022 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Dec 2022 · 6 claims

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	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.

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 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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