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401 San Luis Ave, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 401 San Luis Ave, Watsonville, CA 95076

Property Summary

Property TypeSingle Family Home
Details3 bd · 3.5 ba · 2,802 sqft · built 2022
Lot Size0.079 acres (3,419 sqft)
Owner2 Individual Names on Record
Last Sale$900,000 (Sep 2026)
Tax Bill$8,066 (2025)
Deeds & MortgagesSep 2026 Sale & Mortgage
Jul 2023 Mortgage
Flood ZoneZone X (minimal risk)
APN018-732-01

Property Details

APN / Parcel Number

Primary APN018-732-01
Alternative APN
  • 018-732-01-000

Interior

Bedrooms3 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Building Area2,802 sqft Living Area
Gross Area3,339 sqft

Exterior

Year BuiltBuilt 2022
Effective Year BuiltEffective 2025
Construction TypeWood
Roof MaterialComposition Shingle
Lot Area3,419 sqft (0.079 acres)
Garage TypeAttached
Garage Area537 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Street Address401 SAN LUIS AVE
CityWATSONVILLE
StateCA
Zip95076-6715
Property CategoryResidential
Property TypeResidential > Single Family > Home
JurisdictionSANTA CRUZ CA
Township / Civil DivisionWATSONVILLE
Census Block Group3
Census Block3003
Census Tract110402

Owner

Source: Santa Cruz County records, as of September 22, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address401 SAN LUIS AVE, WATSONVILLE, CA 95076-6715
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Sep 1, 2026Grant Deed, Transfer · Conventional Mortgage
ROCKET MORTGAGE LLC
Jul 27, 2023Deed of Trust, Mortgage · Commercial Mortgage
LONG RIVER REAL ESTATE HOLDING LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 1, 2026 · Amount on Record
Deed SaleSep 1, 2026 · Amount on Record
Deed Document Number202619752
Record UpdatedOct 29, 2026

September 2026: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSANTA CRUZ CA
Recording DateSep 1, 2026
Property Address401 SAN LUIS AVE, WATSONVILLE, CA 95076-6715
Document Number0000019752
Instrument DateAug 28, 2026
Instrument202619752
Transaction TypeTransfer
Record UpdatedSep 15, 2026
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$99,990.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address401 SAN LUIS AVE, WATSONVILLE, CA 95076-6715

Mortgage

Document Number0000019753,
DateSep 1, 2026
Instrument202619753
Lender
NameROCKET MORTGAGE LLC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 1, 2056
Interest
Rate TypeFixed Rate
Initial TypeFixed Rate
Max Rate-1%

July 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address401 SAN LUIS AVE, WATSONVILLE, CA 95076
Transaction TypeMortgage
Record UpdatedSep 5, 2023
Title CompanyFIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000013855
DateJul 27, 2023
Instrument2023-0013855
Lender
NameLONG RIVER REAL ESTATE HOLDING LLC
TypeNon-Lending Institution
AddressNEWARK, DE 19702
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
MunicipalityWatsonville City
Unified School DistrictPajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$700,654 (+9.94%) Land $109,462 Building $591,192
2025$8,066.00 (+26.78%)$637,316 (+16.68%) Land $87,316 Building $550,000
2023$6,362.00 (+79.92%)$546,225 Land $83,925 Building $462,300$776,790
2022$3,536.00

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

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire RiskLow
lower than 95% of the US · lower than 97% of California
Wildfire Likelihood0.01% annual chance
ExposureDirect
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 SystemCITY OF WATSONVILLE
serves 65,231 people · EPA ID CA4410011
Water SourceSurface water
Last State InspectionJul 2023
Lead1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 180 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Cruzio
Fixed Wireless		1,000 / 1,000
Razzolink
Fixed Wireless		500 / 250
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
DSL · Fiber, Fixed Wireless in parts of the area		100 / 20

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