388 Larkin Valley Rd, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 388 Larkin Valley Rd, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 1939
Lot Size	7.77 acres (338,766 sqft)
Owner	Individual Name on File
Last Sale	$1,000,000 (Apr 2020)
Tax Bill	$13,209 (2025)
Deeds & Mortgages	May 2022 Transfer May 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`049-141-12`

Property Details

APN / Parcel Number

Primary APN	`049-141-12`
Alternative APN	`049-141-12-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,344 sqft Living Area

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1989
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	338,766 sqft
Terrain	Steep
View / Lot	Mountain

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	388 LARKIN VALLEY RD
City	WATSONVILLE
State	CA
Zip	95076-8586
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Subdivision	SAN ANDREAS RHO
Legal Lot Number	5
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2022
Census Tract	122402

Owner

388 Larkin Valley Rd is owned and occupied by an individual who bought it in April 2020.

Source: Santa Cruz County records, as of August 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	388 LARKIN VALLEY RD, WATSONVILLE, CA 95076-8586
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2022	Intrafamily Transfer, Transfer
May 14, 2018	Deed of Trust, Mortgage · Line of Credit MUFG UNION BANK NA
Apr 13, 2020	Grant Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 13, 2020 · Amount on File
Deed Sale	Apr 13, 2020 · Amount on File
Prior Sale	Oct 28, 2011 · Amount on File
Deed Document Number	202012525
Prior Transfer Date	Feb 13, 1996
Prior Transfer Doc	0000008695
Record Updated	Oct 29, 2026

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	May 27, 2022
Property Address	388 LARKIN VALLEY RD, WATSONVILLE, CA 95076-8586
Document Number	0000016565
Instrument Date	May 12, 2022
Instrument	2022-0016565
Transaction Type	Transfer
Record Updated	Jun 7, 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
Address	388 LARKIN VALLEY RD, WATSONVILLE, CA 95076-8586

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	388 LARKIN VALLEY RD, WATSONVILLE, CA 95076-8586
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014389
Date	May 14, 2018
Instrument	2018-0014389

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 15, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 13, 2020
Property Address	388 LARKIN VALLEY RD, WATSONVILLE, CA 95076-8586
Document Number	0000012525
Instrument Date	Apr 2, 2020
Instrument	2020-0012525
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
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	388 LARKIN VALLEY RD, WATSONVILLE, CA 95076-8586

Mortgage

Document Number	0000012526
Date	Apr 13, 2020
Instrument	2020-0012526

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 388 Larkin Valley Rd was $13,209 with a homeowner's exemption.

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		$1,115,519 (+2%) Land $858,950 Building $256,569
2025	$13,209.00 Homeowner's exemption	$1,093,647 Land $842,108 Building $251,539
2023	$12,080.00 (+1.92%) Homeowner's exemption	$1,051,178 Land $809,407 Building $241,771	$991,350
2022	$11,853.00

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

Flood

FEMA maps place 388 Larkin Valley Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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

Wildfire risk around 388 Larkin Valley Rd is moderate, ranking above 66% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 66% of the US · above 40% of California
Wildfire Likelihood	0.2% 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 42 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

May also be available: Cruzio, Etheric Networks.

Nearby Properties on Larkin Valley Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures