412 Carmel St, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 412 Carmel St, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,474 sqft · built 1951
Lot Size	0.173 acres (7,536 sqft)
Owner	2 Trust Names on File
Last Sale	$885,000 (Aug 2023)
Tax Bill	$11,490 (2025)
Deeds & Mortgages	Oct 2025 Transfer Aug 2023 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`019-114-06`

Property Details

APN / Parcel Number

Primary APN	`019-114-06`
Alternative APN	`019-114-06-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,474 sqft Living Area
Gross Area	1,874 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1995
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	7,536 sqft (0.173 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	412 CARMEL ST
City	WATSONVILLE
State	CA
Zip	95076-3310
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	GLEMAR 98
Legal Lot Number	11
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2005
Census Tract	110202

Owner

412 Carmel St is owner-occupied and held in a trust since August 2023.

Source: Santa Cruz County records, as of August 19, 2026

Owner of Record	2 Trust Names on File
Mailing Address	412 CARMEL ST, WATSONVILLE, CA 95076-3310
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2025	Intrafamily Transfer, Transfer
Aug 17, 2023	Grant Deed, Transfer · Conventional Mortgage ALTITUDE FINANCIAL CORP
Jun 22, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 22, 2018	Affidavit of Death, Transfer ATTORNEY ONLY
Jun 22, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 22, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 22, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2023 · Amount on File
Deed Sale	Aug 17, 2023 · Amount on File
Deed Document Number	202315474
Prior Transfer Date	Apr 20, 1994
Prior Transfer Doc	0000037771
Record Updated	Oct 29, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 3, 2025
Property Address	412 CARMEL ST, WATSONVILLE, CA 95076-3310
Document Number	0000021102
Map Reference	VOL 29 PG 33
Instrument Date	Oct 1, 2025
Instrument	2025-0021102
Transaction Type	Transfer
Record Updated	Oct 24, 2025

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
Relationship	Family Trust
Address	412 CARMEL ST, WATSONVILLE, CA 95076-3310

August 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 17, 2023
Property Address	412 CARMEL ST, WATSONVILLE, CA 95076-3310
Document Number	0000015474
Map Reference	VOL 29 PG 33
Instrument Date	Aug 11, 2023
Instrument	2023-0015474
Transaction Type	Transfer
Record Updated	Aug 30, 2023
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$973.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	412 CARMEL ST, WATSONVILLE, CA 95076-3310

Mortgage

Document Number	0000015475
Date	Aug 17, 2023
Instrument	2023-0015475

Lender

Name	ALTITUDE FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 22, 2018
Property Address	412 CARMEL ST, WATSONVILLE, CA 95076-3310
Document Number	0000019081
Instrument Date	Feb 28, 2018
Instrument	19081
Transaction Type	Transfer
Record Updated	Jul 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1770 HIGHWAY 1 MOSS LANDING CA 950399619, MOSS LANDING, CA 95039-9619

June 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 22, 2018
Property Address	412 CARMEL ST, WATSONVILLE, CA 95076-3310
Document Number	0000019077
Instrument Date	Feb 21, 2018
Instrument	19077
Transaction Type	Transfer
Record Updated	Jul 3, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1770 HIGHWAY 1 MOSS LANDING CA 950399619, MOSS LANDING, CA 95039-9619

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 22, 2018
Property Address	412 CARMEL ST, WATSONVILLE, CA 95076-3310
Document Number	0000019079
Instrument Date	Feb 21, 2018
Instrument	19079
Transaction Type	Transfer
Record Updated	Jul 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1770 HIGHWAY 1 MOSS LANDING CA 950399619, MOSS LANDING, CA 95039-9619

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 22, 2018
Property Address	412 CARMEL ST, WATSONVILLE, CA 95076-3310
Document Number	0000019080
Instrument Date	Feb 21, 2018
Instrument	19080
Transaction Type	Transfer
Record Updated	Jul 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	1770 HIGHWAY 1 MOSS LANDING CA 950399619, MOSS LANDING, CA 95039-9619

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 22, 2018
Property Address	412 CARMEL ST, WATSONVILLE, CA 95076-3310
Document Number	0000019078
Instrument Date	Feb 21, 2018
Instrument	19078
Transaction Type	Transfer
Record Updated	Jul 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	412 CARMEL ST WATSONVILLE CA 950763310, WATSONVILLE, CA 95076-3310

Tax Assessment & Valuation

The 2025 property tax bill for 412 Carmel St was $11,490.

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	Assessed Market Value
2026		$920,754 (+2%) Land $552,452 Building $368,302
2025	$11,490.00	$902,700 Land $541,620 Building $361,080
2023	$971.00 (+1.89%)	$72,026 Land $21,324 Building $50,702	$773,640
2022	$953.00

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

FEMA maps place 412 Carmel St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force

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.

Wildfire

Wildfire risk around 412 Carmel St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% 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 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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