Santa Cruz County property record for 409 J St, Watsonville, CA 95076
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 918 sqft · built 1944 |
| Lot Size | 0.041 acres (1,786 sqft) |
| Owner | Individual Name on File |
| Last Sale | $465,000 (Dec 2019) |
| Tax Bill | $6,740 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Dec 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 017-671-22 |
| Primary APN | 017-671-22 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Building Area | 918 sqft Living Area |
| Gross Area | 1,138 sqft |
| Year Built | Built 1944 |
|---|---|
| Effective Year Built | Effective 2010 |
| Construction Type | Wood |
| Roof Material | Other |
| Lot Area | 1,786 sqft (0.041 acres) |
| Garage Type | Attached |
| Garage Area | 220 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Floor/Wall Furnace |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 409 J ST |
|---|---|
| City | WATSONVILLE |
| State | CA |
| Zip | 95076-4445 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | BOLSA DEL PAJARO RHO |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | WATSONVILLE |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 110102 |
Source: Santa Cruz County records · APN 017-671-22
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 | 409 J ST, WATSONVILLE, CA 95076-4445 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 30, 2020 | Deed of Trust, Mortgage · FHA Mortgage LAND-HOME FINANCIAL SERVICES |
| Dec 19, 2019 | Grant Deed, Transfer · FHA Mortgage LAND-HOME FINANCIAL SERVICES |
| Aug 23, 2019 | Grant Deed, Transfer OLD REPUBLIC TITLE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 19, 2019 · Amount on Record |
| Deed Sale | Dec 19, 2019 · Amount on Record |
| Prior Sale | Aug 23, 2019 · Amount on Record |
| Deed Document Number | 201940211 |
| Prior Transfer Date | Apr 24, 2004 |
| Prior Transfer Doc | 0000030165 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 409 J ST, WATSONVILLE, CA 95076-4445 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 409 J ST, WATSONVILLE, CA 95076-4445 |
| Document Number | 0000057202 |
|---|---|
| Date | Dec 30, 2020 |
| Instrument | 2020-0057202 |
| Name | LAND-HOME FINANCIAL SERVICES |
|---|---|
| Type | Mortgage Company |
| Address | CONCORD, CA 94520 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Dec 19, 2019 |
| Property Address | 409 J ST, WATSONVILLE, CA 95076-4445 |
| Document Number | 0000040211 |
| Instrument Date | Dec 16, 2019 |
| Instrument | 2019-0040211 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 409 J ST, WATSONVILLE, CA 95076-4445 |
| Document Number | 0000040212 |
|---|---|
| Date | Dec 19, 2019 |
| Instrument | 2019-0040212 |
| Name | LAND-HOME FINANCIAL SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Aug 23, 2019 |
| Property Address | 409 J ST, WATSONVILLE, CA 95076-4445 |
| Document Number | 0000024567 |
| Instrument Date | Aug 22, 2019 |
| Instrument | 24567 |
| Transaction Type | Transfer |
| Record Updated | Sep 04, 2019 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $335.50 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 5 CREEKBRIDGE CIR SALINAS CA 939064868, SALINAS, CA 93906-4868 |
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 | $518,717 (+2%) Land $334,656 Building $184,061 | ||
| 2025 | $6,740.00 (+13.07%) | $508,546 (+4.04%) Land $328,094 Building $180,452 | |
| 2023 | $5,961.00 (+1.83%) | $488,798 Land $315,354 Building $173,444 | $466,290 |
| 2022 | $5,854.00 |
Source: FEMA National Flood Hazard Layer as of July 10, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 18 individual policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 21 units insured incl. 3 condo units |
| Nearby Flood Claims | 6 (2022) |
| Most Recent Claim | Dec 2022 · Severe Winter Storms, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Cruzio Internet Fixed Wireless | 1,000 / 1,000 |
| Razzolink Fixed Wireless | 500 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Etheric Communications, LLC., T-Mobile USA.
Based on FCC filings for 427 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF WATSONVILLE serves 65,231 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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