405 Hecker Pass Rd, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 405 Hecker Pass Rd, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,762 sqft · built 1982
Lot Size	5.16 acres (224,900 sqft)
Owner	2 Trust Names on Record
Last Sale	$354,000 (Nov 1997)
Tax Bill	$7,693 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Jul 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`110-071-32`

Property Details

APN / Parcel Number

Primary APN	`110-071-32`
Alternative APN	`110-071-32-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	2,762 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	224,900 sqft
Terrain	Steep
View / Lot	Ocean
Deck Area	96 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	405 HECKER PASS RD
City	WATSONVILLE
State	CA
Zip	95076-9701
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CA
Legal Description	PARCEL MAPS 9 PG 43
Legal Subdivision	LANDS/VICTOR YOSHIDA
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1005
Census Tract	123300

Owner

Source: Santa Cruz County records, as of August 24, 2026

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

Owner of Record	2 Trust Names on Record
Mailing Address	405 HECKER PASS RD, WATSONVILLE, CA 95076-9701
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Jul 24, 2018	Intrafamily Transfer, Transfer · Line of Credit TCF NATIONAL BANK
Jul 24, 2018	Quit Claim Deed, Transfer NORTH AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 1997 · Amount on Record
Deed Sale	Nov 20, 1997 · Amount on Record
Deed Document Number	199755518
Last Transfer Date	Jul 16, 2018
Transfer Doc	0000022621
Record Updated	Oct 29, 2026

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 2, 2020
Property Address	405 HECKER PASS RD, WATSONVILLE, CA 95076-9701
Document Number	0000051562
Map Reference	MB 9 PG 43
Instrument Date	Nov 6, 2020
Instrument	2020-0051562
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	NORTH AMERICAN TITLE CO INC

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
Relationship	Living Trust
Address	405 HECKER PASS RD, WATSONVILLE, CA 95076-9701

Mortgage

Document Number	0000051563
Date	Dec 2, 2020
Instrument	2020-0051563

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

July 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 24, 2018
Property Address	405 HECKER PASS RD, WATSONVILLE, CA 95076-9701
Document Number	0000022621
Map Reference	MB 9 PG 43
Instrument Date	Jul 16, 2018
Instrument	2018-0022621
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	NORTH AMERICAN TITLE COMPANY

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
Relationship	Joint Tenants
Address	405 HECKER PASS RD, WATSONVILLE, CA 95076-9701

Mortgage

Document Number	0000022623
Date	Jul 24, 2018
Instrument	2018-0022623

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 24, 2018
Property Address	405 HECKER PASS RD, WATSONVILLE, CA 95076-9701
Document Number	0000022624
Instrument Date	Jul 16, 2018
Instrument	22624
Transaction Type	Transfer
Record Updated	Aug 7, 2018
Title Company	NORTH AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	405 HECKER PASS RD WATSONVILLE CA 950769701, WATSONVILLE, CA 95076-9701

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		$621,154 (+2%) Land $286,493 Building $334,661
2025	$7,693.00 (+11.61%) Homeowner's exemption	$608,975 (+4.04%) Land $280,876 Building $328,099
2024	$6,893.00 (+1.65%)
2023	$6,781.00 (+1.91%) Homeowner's exemption	$585,327 Land $269,969 Building $315,358	$1,033,920
2022	$6,654.00

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
Flood Insurance Cost	Premium on Record median of 26 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	26 in force
Nearby Flood Claims	2 (2022–2023)
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

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

Wildfire Risk	High above 75% of the US · above 51% of California
Wildfire Likelihood	0.4% 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 31 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
Etheric Networks Fixed Wireless	250 / 100

May also be available: Verizon.

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