321 White Rd, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 321 White Rd, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,927 sqft · built 1978
Lot Size	1.63 acres (71,177 sqft)
Owner	2 Company Names on File
Last Sale	$330,000 (Jun 1995)
Tax Bill	$7,078 (2025)
Deeds & Mortgages	Jun 2017 Mortgage Dec 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`049-381-10`

Property Details

APN / Parcel Number

Primary APN	`049-381-10`
Alternative APN	`049-381-10-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	1,927 sqft Living Area
Gross Area	2,563 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	71,177 sqft
Terrain	Steep
Garage Type	Attached
Garage Area	636 sqft
Parking Spaces	2 Parking Spaces
Deck Area	567 sqft
Patio Area	567 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	321 WHITE RD
City	WATSONVILLE
State	CA
Zip	95076-0429
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Subdivision	CALABASAS RHO
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2016
Census Tract	122402

Owner

Source: Santa Cruz County records · APN 049-381-10

Assessment roll updated August 19, 2026 · Last verified August 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 File
Mailing Address	321 WHITE RD, WATSONVILLE, CA 95076-0429
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2017	Deed of Trust, Mortgage · Conventional Mortgage ON Q FINANCIAL INC
Dec 05, 2019	Deed of Trust, Mortgage · Line of Credit COMERICA BANK
Sep 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage ON Q FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 09, 1995 · Amount on Record
Deed Sale	Jun 09, 1995 · Amount on Record
Deed Document Number	199528235
Deed Book / Page	5683 / 836
Last Transfer Date	Nov 13, 2006
Transfer Doc	0000000700
Record Updated	Sep 20, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	321 WHITE RD, WATSONVILLE, CA 95076-0429
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019573
Date	Jun 14, 2017
Instrument	2017-0019573

Lender

Name	ON Q FINANCIAL INC
Type	Lending Institution
Address	SCOTTSDALE, AZ 85251

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2047

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	321 WHITE RD, WATSONVILLE, CA 95076-0429
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038045
Date	Dec 05, 2019
Instrument	2019-0038045

Lender

Name	COMERICA BANK
Type	Bank
Address	DALLAS, TX 75201

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	321 WHITE RD, WATSONVILLE, CA 95076-0429
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 WHITE RD, WATSONVILLE, CA 95076-0429

Mortgage

Document Number	0000037077
Date	Sep 18, 2020
Instrument	2020-0037077

Lender

Name	ON Q FINANCIAL INC
Type	Funding / Finance Company
Address	TEMPE, AZ 85281

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2050

Tax Assessment & Valuation

Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$565,396 (+2%) Land $308,400 Building $256,996
2025	$7,078.00 (+9.94%) Homeowner's exemption	$554,312 (+4.04%) Land $302,354 Building $251,958
2023	$6,438.00 (+2.06%) Homeowner's exemption	$532,786 Land $290,612 Building $242,174	$916,650
2022	$6,308.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 10, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	9 in force
Nearby Flood Claims	3 (2016–2023)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Mar 2023 · Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides

Wildfire

Wildfire Risk	Moderate above 50% of the US · lower than 70% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Razzolink Fixed Wireless	500 / 250

May also be available: AT&T, Etheric Communications, LLC., Spectrum, Surfnet Communications.

Based on FCC filings for 28 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

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