Santa Cruz County property record for 410 Prospect St, Watsonville, CA 95076
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,487 sqft · built 1950 |
| Lot Size | 0.196 acres (8,538 sqft) |
| Owner | Individual Name on File |
| Last Sale | $529,000 (Nov 2014) |
| Tax Bill | $8,073 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 019-063-11 |
| Primary APN | 019-063-11 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Building Area | 2,487 sqft Living Area |
| Gross Area | 3,061 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Construction Type | Wood |
| Roof Type | Sawtooth |
| Roof Material | Composition Shingle |
| Lot Area | 8,538 sqft (0.196 acres) |
| Terrain | Steep |
| Garage Type | Attached |
| Garage Area | 574 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 410 PROSPECT ST |
|---|---|
| City | WATSONVILLE |
| State | CA |
| Zip | 95076-3234 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAP G7 995 |
| Legal Subdivision | WATSONVILLE |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | WATSONVILLE |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 110202 |
410 Prospect St is owned and occupied by an individual who acquired it in October 2020.
Source: Santa Cruz County records, as of August 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 410 PROSPECT ST, WATSONVILLE, CA 95076-3234 |
| 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 |
|---|---|
| Aug 5, 2026 | Deed of Trust, Mortgage · Line of Credit US BANK |
| Oct 9, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage MASON MCDUFFIE MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 14, 2014 · Amount on File |
| Deed Sale | Nov 14, 2014 · Amount on File |
| Prior Sale | Apr 30, 2003 · Amount on File |
| Deed Document Number | 201438526 |
| Last Transfer Date | Oct 1, 2020 |
| Transfer Doc | 0000040867 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Aug 5, 2026 |
| Property Address | 410 PROSPECT ST, WATSONVILLE, CA 95076-3234 |
| Document Number | 0000017620 |
| Instrument Date | Jun 30, 2026 |
| Instrument | 202617620 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2026 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 410 PROSPECT ST, WATSONVILLE, CA 95076-3234 |
| Document Number | 0000017620, |
|---|---|
| Date | Aug 5, 2026 |
| Instrument | 202617620 |
| Name | US BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 10, 2056 |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Oct 9, 2020 |
| Property Address | 410 PROSPECT ST, WATSONVILLE, CA 95076-3234 |
| Document Number | 0000040867 |
| Map Reference | VOL 512 PG 147 |
| Instrument Date | Oct 1, 2020 |
| Instrument | 2020-0040867 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 410 PROSPECT ST, WATSONVILLE, CA 95076-3234 |
| Document Number | 0000040868 |
|---|---|
| Date | Oct 9, 2020 |
| Instrument | 2020-0040868 |
| Name | MASON MCDUFFIE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
The 2025 property tax bill for 410 Prospect St was $8,073 with a homeowner's exemption.
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 | $648,494 (+2%) Land $324,247 Building $324,247 | ||
| 2025 | $8,073.00 Homeowner's exemption | $635,780 Land $317,890 Building $317,890 | |
| 2023 | $7,139.00 (+1.8%) Homeowner's exemption | $611,090 Land $305,545 Building $305,545 | $657,630 |
| 2022 | $7,013.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 410 Prospect St 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 410 Prospect St 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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