340 Larkin Rdg, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 340 Larkin Rdg, Watsonville, CA 95076 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,902 sqft · built 1989
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Tax Bill	$10,929 (2025)
Deeds & Mortgages	Jan 2023 Transfer Nov 2022 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`041-301-37`

Property Details

APN / Parcel Number

Primary APN	`041-301-37`
Alternative APN	`041-301-37-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,902 sqft Living Area
Gross Area	4,766 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Wood
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	87,120 sqft
Terrain	Steep
Garage Type	Attached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces
Deck Area	736 sqft
Patio Area	736 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	340 LARKIN RDG
City	WATSONVILLE
State	CA
Zip	95076-8501
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR 1048
Legal Subdivision	LARKIN RDG TR 1048
Legal Tract	1048
Legal Lot Number	4
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2006
Census Tract	122402

Owner

Source: Santa Cruz County records · APN 041-301-37

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 Individual Names on File
Mailing Address	340 LARKIN RDG, WATSONVILLE, CA 95076-8501
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 04, 2023	Intrafamily Transfer, Transfer
Nov 16, 2022	Deed of Trust, Mortgage · Line of Credit COMERICA BANK
May 31, 2017	Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA
Apr 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage BAY FCU
Jul 24, 2020	Deed of Trust, Mortgage · Line of Credit COMERICA BANK
Oct 30, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Dec 11, 2022
Transfer Doc	0000000146
Record Updated	Sep 20, 2026

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 04, 2023
Property Address	340 LARKIN RDG, WATSONVILLE, CA 95076-8501
Document Number	0000000146
Map Reference	VOL 75 PG 53
Instrument Date	Dec 29, 2022
Instrument	2023-0000146
Transaction Type	Transfer
Record Updated	Jun 07, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	340 LARKIN RDG, WATSONVILLE, CA 95076-8501

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	340 LARKIN RDG, WATSONVILLE, CA 95076-8501
Transaction Type	Mortgage
Record Updated	Dec 01, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	340 LARKIN RDG, WATSONVILLE, CA 95076-8501

Mortgage

Document Number	0000030826
Date	Nov 16, 2022
Instrument	2022-0030826

Lender

Name	COMERICA BANK
Type	Bank
Address	DALLAS, TX 75201

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 18, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	340 LARKIN RDG, WATSONVILLE, CA 95076-8501
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017761
Date	May 31, 2017
Instrument	2017-0017761

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	3.37%
Type Change Date	Jun 01, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.37%
Index	1-Year LIBOR
Max Rate	9.37%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	340 LARKIN RDG, WATSONVILLE, CA 95076-8501
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	FATC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014665
Date	Apr 29, 2020
Instrument	2020-0014665

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	May 01, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.75%
Index	1-Year LIBOR
Max Rate	7.75%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	340 LARKIN RDG, WATSONVILLE, CA 95076-8501
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027573
Date	Jul 24, 2020
Instrument	2020-0027573

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

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 30, 2018
Property Address	340 LARKIN RDG, WATSONVILLE, CA 95076-8501
Document Number	0000032704
Instrument Date	Oct 27, 2018
Instrument	32704
Transaction Type	Transfer
Record Updated	Nov 19, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	340 LARKIN RDG WATSONVILLE CA 950768501, WATSONVILLE, CA 95076-8501

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		$910,201 (+2%) Land $346,745 Building $563,456
2025	$10,929.00 (+13.21%) Homeowner's exemption	$892,354 (+4.04%) Land $339,946 Building $552,408
2023	$9,654.00 (+1.82%) Homeowner's exemption	$857,702 Land $326,745 Building $530,957	$2,109,870
2022	$9,481.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060871224022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
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, rainfall accumulation, Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides

Wildfire

Wildfire Risk	Moderate above 47% of the US · above 28% of California
Wildfire Likelihood	About 1 in 1,042 per year
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, availability as of December 31, 2025 · Published October 2026 · based on 12 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Razzolink	Fixed Wireless (unlicensed)	500 / 250

May also be available at this address: Spectrum, Etheric Communications, LLC., Verizon, Surfnet Communications, Cruzio Internet, T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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