Santa Cruz County property record for 406 Montecito Ave, Watsonville, CA 95076
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,624 sqft · built 1947 |
| Lot Size | 0.182 acres (7,928 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $746,000 (Mar 2005) |
| Tax Bill | $13,201 (2025) |
| Deeds & Mortgages | Apr 2020 Mortgage Mar 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 019-064-01 |
| Primary APN | 019-064-01 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,624 sqft Living Area |
| Gross Area | 2,064 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1985 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 7,928 sqft (0.182 acres) |
| Terrain | Steep |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | HVAC |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 406 MONTECITO AVE |
|---|---|
| City | WATSONVILLE |
| State | CA |
| Zip | 95076-3232 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | MONTECITO HEIGHTS |
| Legal Lot Number | 6 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | WATSONVILLE |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 110202 |
406 Montecito Ave is owned and occupied by two individuals who acquired it in May 2007.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 406 MONTECITO AVE, WATSONVILLE, CA 95076-3232 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Mar 23, 2017 | Deed of Trust, Mortgage · Conventional with PMI OPES ADVISORS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 23, 2005 · Amount on File |
| Deed Sale | Mar 23, 2005 · Amount on File |
| Prior Sale | Aug 15, 2003 · Amount on File |
| Deed Document Number | 200519251 |
| Last Transfer Date | May 18, 2007 |
| Transfer Doc | 0000030503 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 406 MONTECITO AVE, WATSONVILLE, CA 95076-3232 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000011958 |
|---|---|
| Date | Apr 7, 2020 |
| Instrument | 2020-0011958 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 406 MONTECITO AVE, WATSONVILLE, CA 95076-3232 |
| Document Number | 0000010413 |
| Instrument Date | Mar 23, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2017 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 406 MONTECITO AVE WATSONVILLE CA 950763232, WATSONVILLE, CA 95076-3232 |
| Document Number | 0000010413 |
|---|---|
| Date | Mar 28, 2017 |
| Instrument | 10413 |
| Name | OPES ADVISORS |
|---|---|
| Address | CUPERTINO, CA 95014 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 27, 2047 |
The 2025 property tax bill for 406 Montecito Ave was $13,201.
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 | $890,000 (-14.41%) Land $534,004 Building $355,996 | ||
| 2025 | $13,201.00 | $1,039,866 Land $623,922 Building $415,944 | |
| 2023 | $9,515.00 (-3.17%) | $809,020 Land $485,414 Building $323,606 | $832,230 |
| 2022 | $9,827.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 406 Montecito Ave in Zone X, an area of minimal flood risk.
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.
The area around 406 Montecito Ave has no burnable land within ember reach, so its wildfire risk is not rated.
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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