328 White Rd, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 328 White Rd, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 4,180 sqft · built 1977
Lot Size	5 acres (217,931 sqft)
Owner	2 Company Names on Record
Last Sale	$1,369,000 (Feb 2025)
Tax Bill	$12,888 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit May 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`108-131-36`

Property Details

APN / Parcel Number

Primary APN	`108-131-36`
Alternative APN	`108-131-36-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	4,180 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 2000
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	217,931 sqft
Terrain	Steep
View / Lot	Mountain
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Deck Area	868 sqft
Patio Area	868 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	328 WHITE RD
City	WATSONVILLE
State	CA
Zip	95076-0424
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	PARCEL MAPS 31 PG 55
Legal Subdivision	PM31 55
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2017
Census Tract	122402

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	2 Company Names on Record
Mailing Address	328 WHITE RD, WATSONVILLE, CA 95076-0424
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Grant Deed, Transfer · Line of Credit GTE FEDERAL CREDIT UNION
May 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT SAVINGS BANK FSB
Sep 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Jun 2, 2020	Grant Deed, Transfer · Conventional Mortgage US BANK NA
Jan 14, 2020	Affidavit of Death, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 6, 2025 · Amount on Record
Deed Sale	Feb 6, 2025 · Amount on Record
Prior Sale	Jun 2, 2020 · Amount on Record
Deed Document Number	20252217
Last Transfer Date	Jun 23, 2026
Transfer Doc	0000014694
Record Updated	Oct 29, 2026

June 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 29, 2026
Property Address	328 WHITE RD, WATSONVILLE, CA 95076-0424
Document Number	0000014694
Instrument Date	Jun 23, 2026
Instrument	202614694
Transaction Type	Transfer
Record Updated	Jul 14, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE COMPAN

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	328 WHITE RD, WATSONVILLE, CA 95076-0424

Mortgage

Document Number	0000014695,
Date	Jun 29, 2026
Instrument	202614695

Lender

Name	GTE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 29, 2056

Interest

Rate	6.36%
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Recording Date	May 11, 2026
Property Address	328 WHITE RD, WATSONVILLE, CA 95076-0424
Document Number	0000010603
Instrument Date	May 5, 2026
Instrument	202610603
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant, 269
Address	328 WHITE RD, WATSONVILLE, CA 95076-0424

Mortgage

Document Number	0000010603,
Date	May 11, 2026
Instrument	202610603

Lender

Name	PROVIDENT SAVINGS BANK FSB

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.13%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	328 WHITE RD, WATSONVILLE, CA 95076-0424
Transaction Type	Mortgage
Record Updated	Sep 28, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TIT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	328 WHITE RD, WATSONVILLE, CA 95076-0424

Mortgage

Document Number	0000047637
Date	Sep 16, 2021
Instrument	2021-0047637

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 2, 2020
Property Address	328 WHITE RD, WATSONVILLE, CA 95076-0424
Document Number	0000018904
Map Reference	VOL 31 PG 55
Instrument Date	May 29, 2020
Instrument	2020-0018904
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	328 WHITE RD, WATSONVILLE, CA 95076-0424

Mortgage

Document Number	0000018905
Date	Jun 2, 2020
Instrument	2020-0018905

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

January 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 14, 2020
Property Address	328 WHITE RD, WATSONVILLE, CA 95076-0424
Document Number	0000001419
Instrument Date	Jan 9, 2020
Instrument	1419
Transaction Type	Transfer
Record Updated	Feb 3, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	328 WHITE RD WATSONVILLE CA 950760424, WATSONVILLE, CA 95076-0424

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	Assessed Market Value
2026		$1,396,380 (+30.96%) Land $1,020,000 Building $376,380
2025	$12,888.00 (+9.36%)	$1,066,305 (+4.04%) Land $683,529 Building $382,776
2023	$11,785.00 (+1.91%) Homeowner's exemption	$1,024,899 Land $656,987 Building $367,912	$1,028,790
2022	$11,564.00

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

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
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

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 50% of the US · lower than 70% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025

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

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

Cell Coverage

5G and 4G LTE (outdoors only)

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