345 Lucerne Ave, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 345 Lucerne Ave, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,116 sqft · built 1974
Lot Size	0.333 acres (14,505 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,496 (2025)
Deeds & Mortgages	May 2026 Mortgage Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`049-551-12`

Property Details

APN / Parcel Number

Primary APN	`049-551-12`
Alternative APNs	`049-551-12-000` `04930125000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,116 sqft Living Area
Gross Area	1,830 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Duplex Single
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	14,505 sqft (0.333 acres)
Garage Type	Attached
Garage Area	714 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	345 LUCERNE AVE
City	WATSONVILLE
State	CA
Zip	95076-2038
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	2 Individual Names on Record
Mailing Address	345 LUCERNE AVE, WATSONVILLE, CA 95076-2038
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage HOMEXPRESS MORTGAGE CORPORATION
Aug 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage EXCELERATE CAP

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Recording Date	May 27, 2026
Property Address	345 LUCERNE AVE, WATSONVILLE, CA 95076-2038
Document Number	0000011957
Instrument Date	May 21, 2026
Instrument	202611957
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE COMP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	345 LUCERNE AVE, WATSONVILLE, CA 95076-2038

Mortgage

Document Number	0000011957,
Date	May 27, 2026
Instrument	202611957

Lender

Name	HOMEXPRESS MORTGAGE CORPORATION

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	345 LUCERNE AVE, WATSONVILLE, CA 95076-2038
Document Number	0000023660
Instrument Date	Aug 10, 2019
Transaction Type	Mortgage
Record Updated	Aug 29, 2019
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	345 LUCERNE AVE WATSONVILLE CA 950762038, WATSONVILLE, CA 95076-2038

Mortgage

Document Number	0000023660
Date	Aug 16, 2019
Instrument	23660

Lender

Name	EXCELERATE CAP
Address	NEWPORT BEACH, CA 92660

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 15, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.3%

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		$409,162 (+2%) Land $172,275 Building $236,887
2025	$5,496.00 (+13.39%) Homeowner's exemption	$401,140 (+4.04%) Land $168,897 Building $232,243
2023	$4,847.00 (+1.98%) Homeowner's exemption	$385,563 Land $162,339 Building $223,224
2022	$4,753.00

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.

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