409 Annie Dr, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 409 Annie Dr, Watsonville, CA 95076

Property Summary

Property Type	Government / Public Use
Details	3 bd · 2 ba · 2,326 sqft · built 2025
Lot Size	0.02 acres (871 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (Aug 2025)
Tax Bill	$380 (2025)
Deeds & Mortgages	Apr 2024 Construction Loan Aug 2025 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`018-741-05`

Property Details

APN / Parcel Number

Primary APN	`018-741-05`
Alternative APN	`018-741-05-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	2,326 sqft Gross Area

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	871 sqft (0.02 acres)
Garage Type	Attached
Garage Area	497 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	409 ANNIE DR
City	WATSONVILLE
State	CA
Zip	95076-6718
Property Category	Public Works
Property Type	Public Works > Government / Public Use
Legal Subdivision	HILLCREST
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	3
Census Block	3003
Census Tract	110402

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	Individual Name on File
Mailing Address	409 ANNIE DR, WATSONVILLE, CA 95076-6718
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2024	Deed of Trust, Mortgage · Construction Mortgage CONSTRUCTION LOAN SERVICES LLC
Aug 19, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CROSSCOUNTRY MORTGAGE LLC
Aug 19, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CROSSCOUNTRY MORTGAGE LLC
	Deed of Trust, Mortgage FIRST AMERICAN TITLE COMPANY HOMEBU, FIRST AMER TTL CO HOMEBUILDE
Aug 19, 2025	Intrafamily Transfer, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
Aug 19, 2025	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2025 · Amount on File
Deed Sale	Aug 19, 2025 · Amount on File
Deed Document Number	202517368
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	409 ANNIE DR, WATSONVILLE, CA 95076
Transaction Type	Mortgage
Record Updated	Sep 29, 2025
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006891
Date	Apr 15, 2024
Instrument	2024-0006891

Lender

Name	CONSTRUCTION LOAN SERVICES LLC
Type	Mortgage Company
Address	PUYALLUP, WA 98374

Agreement

Type	Construction Mortgage
Amount	Amount on Record

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	409 ANNIE DR, WATSONVILLE, CA 95076
Transaction Type	Mortgage
Record Updated	Sep 29, 2025
Title Company	FIRST AMERICAN TITLE COMPANY HOMEBU, FIRST AMER TTL CO HOMEBUILDE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 LA HACIENDA ST, WATSONVILLE, CA 95076-6651

Mortgage

Document Number	0000017371
Date	Aug 19, 2025
Instrument	2025-0017371

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	362 Months
Due	Oct 10, 2055

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	409 ANNIE DR, WATSONVILLE, CA 95076
Transaction Type	Mortgage
Record Updated	Sep 29, 2025
Title Company	FIRST AMERICAN TITLE COMPANY HOMEBU, FIRST AMER TTL CO HOMEBUILDE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 LA HACIENDA ST, WATSONVILLE, CA 95076-6651

Mortgage

Document Number	0000017372
Date	Aug 19, 2025
Instrument	2025-0017372

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	362 Months
Due	Oct 10, 2055

: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	409 ANNIE DR, WATSONVILLE, CA 95076
Transaction Type	Mortgage
Record Updated	Sep 29, 2025
Title Company	FIRST AMERICAN TITLE COMPANY HOMEBU, FIRST AMER TTL CO HOMEBUILDE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 ANNIE DRIVE, WATSONVILLE, CA 95076

August 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 19, 2025
Property Address	409 ANNIE DR, WATSONVILLE, CA 95076
Document Number	0000017369
Map Reference	MB 136 PG 20
Instrument Date	Aug 18, 2025
Instrument	2025-0017369
Transaction Type	Transfer
Record Updated	Sep 26, 2025
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST 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
Address	409 ANNIE DRIVE, WATSONVILLE, CA 95076

August 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 19, 2025
Property Address	409 ANNIE DR, WATSONVILLE, CA 95076
Document Number	0000017368
Map Reference	MB 136 PG 20
Instrument Date	Jul 29, 2025
Instrument	2025-0017368
Transaction Type	Transfer
Record Updated	Sep 29, 2025
Title Company	FIRST AMERICAN TITLE COMPANY HOMEBU, FIRST AMER TTL CO HOMEBUILDE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$385.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 ANNIE DRIVE, WATSONVILLE, CA 95076

Mortgage

Document Number	0000017370
Date	Aug 19, 2025
Instrument	2025-0017370

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

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
2026		$349,866 (+1,560.49%) Land $19,266 Building $330,600
2025	$380.00 (+11.44%)	$21,070 (+4.04%) Land $21,070
2023	$341.00	$20,252 Land $20,252

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective July 10, 2019

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 358 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

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