Santa Cruz County property record for 405 Montecito Ave, Watsonville, CA 95076
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,793 sqft · built 1949 |
| Lot Size | 0.198 acres (8,625 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $258,000 (Mar 1999) |
| Tax Bill | $5,188 (2025) |
| Deeds & Mortgages | May 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 019-063-14 |
| Primary APN | 019-063-14 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Building Area | 1,793 sqft Living Area |
| Gross Area | 2,302 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Construction Type | Wood |
| Roof Type | Sawtooth |
| Roof Material | Composition Shingle |
| Lot Area | 8,625 sqft (0.198 acres) |
| Terrain | Steep |
| Garage Type | Attached |
| Garage Area | 509 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 405 MONTECITO AVE |
|---|---|
| City | WATSONVILLE |
| State | CA |
| Zip | 95076-3231 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | WATSONVILLE |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 110202 |
Source: Santa Cruz County records, as of August 19, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 405 MONTECITO AVE, WATSONVILLE, CA 95076-3231 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 26, 1999 · Amount on Record |
| Deed Sale | Mar 26, 1999 · Amount on Record |
| Deed Document Number | 199921876 |
| Last Transfer Date | Aug 25, 2005 |
| Transfer Doc | 0000060970 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 405 MONTECITO AVE, WATSONVILLE, CA 95076-3231 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMERICAN TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0000015403 |
|---|---|
| Date | May 22, 2018 |
| Instrument | 2018-0015403 |
| Name | UNIVEST BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | FLINT, MI 48501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 10, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Municipality | Watsonville City |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $412,566 (+2%) Land $247,540 Building $165,026 | ||
| 2025 | $5,188.00 (+13.72%) Homeowner's exemption | $404,476 (+4.04%) Land $242,686 Building $161,790 | |
| 2023 | $4,562.00 (+1.83%) Homeowner's exemption | $388,770 Land $233,262 Building $155,508 | $646,020 |
| 2022 | $4,480.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective July 10, 2019
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 512 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: GeoLinks.
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