390 Caudill Rd, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 390 Caudill Rd, Watsonville, CA 95076

Property Summary

Property Type	Recreational Vacant Land
Details	2 bd · 3 ba · 2,592 sqft · built 1986
Lot Size	5.83 acres (254,260 sqft)
Owner	2 Trust Names on File
Last Sale	$325,500 (Apr 2010)
Tax Bill	$5,788 (2025)
Deeds & Mortgages	Dec 2020 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`107-491-18`

Property Details

APN / Parcel Number

Primary APN	`107-491-18`
Alternative APN	`107-491-18-000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Building Area	2,592 sqft Gross Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	254,260 sqft
Terrain	Steep
View / Lot	Mountain
Garage Type	Attached
Garage Area	630 sqft
Parking Spaces	2 Parking Spaces
Deck Area	1,052 sqft
Patio Area	1,052 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	390 CAUDILL RD
City	WATSONVILLE
State	CA
Zip	95076-0386
Property Category	Public Works
Property Type	Public Works > Recreational Vacant Land
Local Zoning Code	RA
Legal Subdivision	THE LANDS OF JAMES E MC ELROY ET UX
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1016
Census Tract	122401

Owner

390 Caudill Rd, recreational vacant land, is held in a trust since April 2018.

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

Owner of Record	2 Trust Names on File
Mailing Address	340 BERKELEY WAY, SANTA CRUZ, CA 95062-1009
Owner Type	Company
Vesting	Trust

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

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
May 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT FUNDING INC
Apr 10, 2018	Quit Claim Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2010 · Amount on File
Deed Sale	Apr 19, 2010 · Amount on File
Prior Sale	Jun 4, 2009 · Amount on File
Deed Document Number	201014966
Last Transfer Date	Apr 7, 2018
Transfer Doc	0000010630
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	390 CAUDILL RD, WATSONVILLE, CA 95076-0386
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	BOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	340 BERKELEY WAY, SANTA CRUZ, CA 95062-1009

Mortgage

Document Number	0000056476
Date	Dec 28, 2020
Instrument	2020-0056476

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	390 CAUDILL RD, WATSONVILLE, CA 95076-0386
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018348
Date	May 28, 2020
Instrument	2020-0018348

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95815

Agreement

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

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 10, 2018
Property Address	390 CAUDILL RD, WATSONVILLE, CA 95076-0386
Document Number	0000010630
Instrument Date	Apr 7, 2018
Instrument	10630
Transaction Type	Transfer
Record Updated	Apr 25, 2018
Title Company	TITLE SOURCE

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 BERKELEY WAY SANTA CRUZ CA 950621009, SANTA CRUZ, CA 95062-1009

Mortgage

Document Number	10631
Date	Apr 10, 2018
Instrument	10631

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 9, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 390 Caudill Rd was $5,788.

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		$428,570 (+2%) Land $217,906 Building $210,664
2025	$5,788.00	$420,167 Land $213,633 Building $206,534
2023	$5,256.00 (+2.18%)	$403,851 Land $205,337 Building $198,514	$595,080
2022	$5,144.00

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

Flood

FEMA maps place 390 Caudill Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1996.

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	2 (1996–2023)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 2023 · Severe Storm And Flooding

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 390 Caudill Rd is moderate, ranking above 64% 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 64% of the US · lower than 60% 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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Razzolink Fixed Wireless	500 / 250

May also be available: AT&T, Cruzio, Etheric Networks, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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