386 Hames Rd, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 386 Hames Rd, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,764 sqft · built 1987
Lot Size	0.63 acres (27,443 sqft)
Owner	Company Name on Record
Last Sale	$708,500 (Feb 2016)
Tax Bill	$10,394 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Jun 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`107-321-23`

Property Details

APN / Parcel Number

Primary APN	`107-321-23`
Alternative APN	`107-321-23-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	2,764 sqft Living Area
Gross Area	4,010 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	27,443 sqft (0.63 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Deck Area	88 sqft
Patio Area	88 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	386 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 August 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	386 HAMES RD, WATSONVILLE, CA 95076-0245
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2022	Deed of Trust, Mortgage · Line of Credit BAY FCU
Jun 16, 2021	Deed of Trust, Mortgage · Line of Credit BAY FCU
Dec 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Sep 24, 2018	Deed of Trust, Mortgage · Line of Credit BAY FCU
Nov 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2016 · Amount on Record
Deed Sale	Feb 26, 2016 · Amount on Record
Prior Sale	Dec 3, 1993 · Amount on Record
Deed Document Number	20166413
Prior Transfer Date	Feb 23, 2016
Prior Transfer Doc	0000006412
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	386 HAMES RD, WATSONVILLE, CA 95076-0245
Transaction Type	Mortgage
Record Updated	Dec 1, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	386 HAMES RD, WATSONVILLE, CA 95076-0245

Mortgage

Document Number	0000030929
Date	Nov 17, 2022
Instrument	2022-0030929

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	302 Months
Due	Jan 15, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	386 HAMES RD, WATSONVILLE, CA 95076-0245
Transaction Type	Mortgage
Record Updated	Jul 6, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	386 HAMES RD, WATSONVILLE, CA 95076-0245

Mortgage

Document Number	0000033081
Date	Jun 16, 2021
Instrument	2021-0033081

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	302 Months
Due	Aug 15, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	386 HAMES RD, WATSONVILLE, CA 95076-0245
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	386 HAMES RD, WATSONVILLE, CA 95076-0245

Mortgage

Document Number	0000054415
Date	Dec 16, 2020
Instrument	2020-0054415

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2036

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	386 HAMES RD, WATSONVILLE, CA 95076-0245
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028937
Date	Sep 24, 2018
Instrument	2018-0028937

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	302 Months
Due	Nov 15, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	386 HAMES RD, WATSONVILLE, CA 95076-0245
Document Number	0000039283
Instrument Date	Nov 15, 2017
Transaction Type	Mortgage
Record Updated	Dec 11, 2017
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	386 HAMES RD CORRALITOS CA 950760245, CORRALITOS, CA 95076-0245

Mortgage

Document Number	0000039283
Date	Nov 22, 2017
Instrument	39283

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 21, 2047

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		$855,012 (+2%) Land $613,517 Building $241,495
2025	$10,394.00 (+9.53%) Homeowner's exemption	$838,248 (+4.04%) Land $601,488 Building $236,760
2023	$9,490.00 (+1.98%) Homeowner's exemption	$805,697 Land $578,131 Building $227,566	$900,450
2022	$9,306.00

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 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.

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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