321 Lucerne Ave, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 321 Lucerne Ave, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,404 sqft · built 1954
Lot Size	0.721 acres (31,407 sqft)
Owner	Individual Name on Record
Last Sale	$390,000 (Nov 2011)
Tax Bill	$6,376 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`049-551-18`

Property Details

APN / Parcel Number

Primary APN	`049-551-18`
Alternative APNs	`049-551-18-000` `04930130000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Building Area	3,404 sqft Living Area
Gross Area	3,845 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	31,407 sqft (0.721 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	321 LUCERNE AVE
City	WATSONVILLE
State	CA
Zip	95076-2013
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1015
Census Tract	110700

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	321 LUCERNE AVE, WATSONVILLE, CA 95076-2013
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2026	Deed, Transfer · Line of Credit CROSSCOUNTRY MORTGAGE
Aug 18, 2020	Quit Claim Deed, Transfer GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2011 · Amount on Record
Deed Sale	Nov 30, 2011 · Amount on Record
Deed Document Number	201149699
Last Transfer Date	Aug 13, 2020
Transfer Doc	0000031557
Record Updated	Sep 20, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 22, 2026
Property Address	321 LUCERNE AVE, WATSONVILLE, CA 95076-2013
Document Number	0000014051
Instrument Date	Jun 22, 2026
Instrument	202614051
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	ATLAS TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	321 LUCERNE AVE, WATSONVILLE, CA 95076-2013

Mortgage

Document Number	0000014052,
Date	Jun 22, 2026
Instrument	202614052

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 18, 2020
Property Address	321 LUCERNE AVE, WATSONVILLE, CA 95076-2013
Document Number	0000031557
Instrument Date	Aug 13, 2020
Instrument	31557
Transaction Type	Transfer
Record Updated	Sep 3, 2020
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	321 LUCERNE AVE WATSONVILLE CA 950762013, WATSONVILLE, CA 95076-2013

Mortgage

Document Number	31558
Date	Aug 18, 2020
Instrument	31558

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 17, 2050

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
2026		$499,660 (+2%) Land $249,830 Building $249,830
2025	$6,376.00 (+13.59%)	$489,862 (+4.04%) Land $244,931 Building $244,931
2023	$5,613.00 (+1.92%)	$470,840 Land $235,420 Building $235,420
2022	$5,507.00

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
Nearby Flood Claims	9 (1982–2011)
Claims Outside the SFHA	5 of 9
Most Recent Claim	Mar 2011 · rainfall accumulation

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 48% of the US · lower than 71% of California
Wildfire Likelihood	0.09% 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 111 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
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Nearby Properties on Lucerne Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures