Santa Cruz County property record for 405 Spruce Cir, Watsonville, CA 95076 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1977 |
| Square Footage | 913 sqft Living Area |
| Lot Size | 3,703 sqft (0.085 acres) |
| Garage | Attached, 297 sqft |
| Last Sale | $105,000 (1999) |
| Tax Bill | $2,492.00 (2025) |
| Primary APN | 017-416-13 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 4 Rooms |
| Building Area | 913 sqft Living Area |
| Gross Area | 1,210 sqft Gross Area |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Construction Type | Wood Construction |
| Roof Material | Other (not Classified) Roof |
| Lot Area | 3,703 sqft (0.085 acres) |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 297 sqft Garage |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Sewage | Municipal Sewage |
| Water Source | Commercial Water Source |
| Street Address | 405 SPRUCE CIR |
|---|---|
| City | WATSONVILLE |
| State | CA |
| Zip | 95076-3635 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Subdivision | BAY VILLAGE SUB #4 TR #653 |
| Legal Lot Number | 354 |
| Jurisdiction | SANTA CRUZ CA |
| Minor Civil Division | WATSONVILLE |
| Census Blockgroup | 2 |
| Census Block | 2025 |
| Census Tract | 110102 |
Source: Santa Cruz County records · APN 017-416-13
Assessment roll updated August 19, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 111 BEAN CREEK RD, 20, SCOTTS VALLEY, CA 95066-4135 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Apr 02, 2024 | Deed of Trust, Mortgage · Stand Alone Second Mortgage SPRING EQ LLC |
| Dec 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| May 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Dec 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 28, 1999 · Amount on Record |
| Deed Sale | Jun 28, 1999 · Amount on Record |
| Deed Doc Number | 199944453 |
| Last Transfer Date | May 21, 2014 |
| Transfer Doc | 0000017193 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 405 SPRUCE CIR, WATSONVILLE, CA 95076-3635 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2024 |
| Title Company | TITLE 365- NLSE, TITLE 365 NLSE |
| Name | Verified Name |
|---|---|
| Address | 850 FRONT ST 608, 608, SANTA CRUZ, CA 95061-2028 |
| Document Number | 0000005985 |
|---|---|
| Date | Apr 02, 2024 |
| Instrument | 2024-0005985 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | CONSHOHOCKEN, PA 19428 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 01, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 405 SPRUCE CIR, WATSONVILLE, CA 95076-3635 |
| Transaction Type | Mortgage |
| Record Updated | Jan 04, 2022 |
| Title Company | AMROCK TITLE CA INC, AMROCK TITLE CA |
| Name | Verified Name |
|---|---|
| Address | 405 SPRUCE CIR, WATSONVILLE, CA 95076-3635 |
| Document Number | 0000061562 |
|---|---|
| Date | Dec 21, 2021 |
| Instrument | 2021-0061562 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 405 SPRUCE CIR, WATSONVILLE, CA 95076-3635 |
| Transaction Type | Mortgage |
| Record Updated | May 27, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 405 SPRUCE CIR, WATSONVILLE, CA 95076-3635 |
| Document Number | 0000027281 |
|---|---|
| Date | May 13, 2021 |
| Instrument | 2021-0027281 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 405 SPRUCE CIR, WATSONVILLE, CA 95076-3635 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | OLD REPUBLIC TITLE CO |
| Name | Verified Name |
|---|---|
| Address | PO BOX 608, SANTA CRUZ, CA 95061-0608 |
| Document Number | 0000056787 |
|---|---|
| Date | Dec 29, 2020 |
| Instrument | 2020-0056787 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2051 |
Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Municipality | Watsonville City |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $167,901 (+2%) Land $95,945 Building $71,956 | ||
| 2025 | $2,492.00 (+14.89%) | $164,609 (+4.04%) Land $94,064 Building $70,545 | |
| 2023 | $2,169.00 (+2.02%) | $158,217 Land $90,411 Building $67,806 | $373,410 |
| 2022 | $2,126.00 |
405 Spruce Cir is in FEMA Zone AE, inside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · Santa Cruz County (06087C), updated July 10, 2019
| FEMA Flood Zone | Zone AE 1% annual chance, base flood elevation determined |
|---|---|
| Special Flood Hazard Area | Yes flood insurance required for federally backed mortgages |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures