384 Hames Rd, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 384 Hames Rd, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,585 sqft · built 1993
Lot Size	1.04 acres (45,607 sqft)
Owner	2 Individual Names on Record
Last Sale	$900,000 (Dec 2012)
Tax Bill	$13,455 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`107-321-14`

Property Details

APN / Parcel Number

Primary APN	`107-321-14`
Alternative APN	`107-321-14-000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Building Area	3,585 sqft Living Area
Gross Area	4,225 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	45,607 sqft
Terrain	Steep
View / Lot	Mountain
Garage Type	Attached
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces
Deck Area	1,915 sqft
Patio Area	1,915 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	384 HAMES RD
City	WATSONVILLE
State	CA
Zip	95076-0245
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1011
Census Tract	122002

Owner

Source: Santa Cruz County records, as of October 13, 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	384 HAMES RD, WATSONVILLE, CA 95076-0245
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2026	Deed of Trust, Mortgage · Line of Credit THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION
Mar 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jul 31, 2019	Deed of Trust, Mortgage · Line of Credit QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2012 · Amount on Record
Deed Sale	Dec 21, 2012 · Amount on Record
Deed Document Number	201263830
Prior Transfer Date	Aug 11, 2003
Prior Transfer Doc	0000082446
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 30, 2026
Property Address	384 HAMES RD, WATSONVILLE, CA 95076-0245
Document Number	0000022009
Instrument Date	Sep 23, 2026
Instrument	202622009
Transaction Type	Mortgage
Record Updated	Oct 13, 2026
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	384 HAMES RD, WATSONVILLE, CA 95076-0245

Mortgage

Document Number	0000022009,
Date	Sep 30, 2026
Instrument	202622009

Lender

Name	THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 23, 2056

Interest

Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	384 HAMES RD, WATSONVILLE, CA 95076-0245
Transaction Type	Mortgage
Record Updated	Apr 7, 2021
Title Company	AMROCK TITLE CA INC, AMROCK TITLE CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	384 HAMES RD, WATSONVILLE, CA 95076-0245

Mortgage

Document Number	0000016809
Date	Mar 23, 2021
Instrument	2021-0016809

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.22%
Type Change Date	Apr 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	8.22%
Index	Other
Margin	3
Max Rate	8.22%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	384 HAMES RD, WATSONVILLE, CA 95076-0245
Document Number	0000022203
Instrument Date	Jul 31, 2019
Transaction Type	Mortgage
Record Updated	Aug 20, 2019
Title Company	AMROCK TITLE COMPANY, AMROCK TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	384 HAMES RD WATSONVILLE CA 950760245, WATSONVILLE, CA 95076-0245

Mortgage

Document Number	0000022203
Date	Aug 5, 2019
Instrument	22203

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 4, 2049

Interest

Rate Type	Adjustable Rate

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		$1,130,452 (+2%) Land $565,226 Building $565,226
2025	$13,455.00 (+9.33%) Homeowner's exemption	$1,108,286 (+4.04%) Land $554,143 Building $554,143
2023	$12,307.00 (+1.93%) Homeowner's exemption	$1,065,250 Land $532,625 Building $532,625	$1,391,670
2022	$12,074.00

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	5 in force
Nearby Flood Claims	7 (1982–2000)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Feb 2000 · rainfall accumulation
Claims by Event	Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 2 claims

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 52% of the US · lower than 69% 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.

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 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
Etheric Networks Fixed Wireless	250 / 100

May also be available: Cruzio.

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