404 Spruce Cir, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 404 Spruce Cir, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 913 sqft · built 1977
Lot Size	0.093 acres (4,051 sqft)
Owner	2 Individual Names on Record
Last Sale	$268,000 (May 2004)
Tax Bill	$3,236 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Apr 2018 Transfer + 2 more
Flood Zone	Zone AE (high risk)
APN	`017-417-03`

Property Details

APN / Parcel Number

Primary APN	`017-417-03`
Alternative APN	`017-417-03-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	913 sqft Living Area
Gross Area	1,210 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	4,051 sqft (0.093 acres)
Garage Type	Attached
Garage Area	297 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	404 SPRUCE CIR
City	WATSONVILLE
State	CA
Zip	95076-3636
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 653 LOT 359
Legal Subdivision	BAY VILLAGE SUB #4 TR #653
Legal Tract	653
Legal Lot Number	359
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2024
Census Tract	110102

Owner

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	2 Individual Names on Record
Mailing Address	404 SPRUCE CIR, WATSONVILLE, CA 95076-3636
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Apr 2, 2018	Quit Claim Deed, Transfer SERVICELINK
Apr 2, 2018	Quit Claim Deed, Transfer SERVICELINK
Apr 2, 2018	Affidavit of Death, Transfer · Conventional Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2004 · Amount on Record
Deed Sale	May 14, 2004 · Amount on Record
Prior Sale	Jul 31, 1998 · Amount on Record
Deed Document Number	200434222
Last Transfer Date	Nov 21, 2017
Transfer Doc	0000009557
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	404 SPRUCE CIR, WATSONVILLE, CA 95076-3636
Transaction Type	Mortgage
Record Updated	Jul 15, 2021
Title Company	AMROCK TITLE CA INC, AMROCK TITLE CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 SPRUCE CIR, WATSONVILLE, CA 95076-3636

Mortgage

Document Number	0000035778
Date	Jul 1, 2021
Instrument	2021-0035778

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jun 1, 2051

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 2, 2018
Property Address	404 SPRUCE CIR, WATSONVILLE, CA 95076-3636
Document Number	0000009556
Instrument Date	Nov 21, 2017
Instrument	9556
Transaction Type	Transfer
Record Updated	Apr 18, 2018
Title Company	SERVICELINK

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	404 SPRUCE CIR WATSONVILLE CA 950763636, WATSONVILLE, CA 95076-3636

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 2, 2018
Property Address	404 SPRUCE CIR, WATSONVILLE, CA 95076-3636
Document Number	0000009557
Instrument Date	Nov 21, 2017
Instrument	9557
Transaction Type	Transfer
Record Updated	Apr 18, 2018
Title Company	SERVICELINK

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	404 SPRUCE CIR WATSONVILLE CA 950763636, WATSONVILLE, CA 95076-3636

April 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 2, 2018
Property Address	404 SPRUCE CIR, WATSONVILLE, CA 95076-3636
Document Number	0000009555
Instrument Date	Nov 21, 2017
Instrument	9555
Transaction Type	Transfer
Record Updated	Apr 19, 2018
Title Company	SERVICELINK

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	404 SPRUCE CIR WATSONVILLE CA 950763636, WATSONVILLE, CA 95076-3636

Mortgage

Document Number	9558
Date	Apr 2, 2018
Instrument	9558

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Municipality	Watsonville City
Unified School District	Pajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$228,724 (+2%) Land $147,870 Building $80,854
2025	$3,236.00 (+12.4%)	$224,240 (+4.04%) Land $144,971 Building $79,269
2024	$2,879.00 (+1.59%)
2023	$2,834.00 (+1.98%)	$215,532 Land $139,341 Building $76,191	$442,620
2022	$2,779.00

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 115 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	115 in force
Nearby Flood Claims	19 (2022–2023)
Most Recent Claim	Mar 2023 · Severe Winter Storms And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 17 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	Not rated no burnable land within ember reach

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 1,034 locations within half a mile, as of December 31, 2025

Provider	Max 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
Etheric Networks Fixed Wireless	250 / 100
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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