415 Spruce Cir, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 415 Spruce Cir, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 913 sqft · built 1977
Lot Size	0.085 acres (3,703 sqft)
Owner	Individual Name on Record
Last Sale	$149,500 (Mar 2000)
Tax Bill	$3,218 (2025)
Deeds & Mortgages	May 2026 Mortgage May 2026 Transfer
Flood Zone	Zone AE (high risk)
APN	`017-416-10`

Property Details

APN / Parcel Number

Primary APN	`017-416-10`
Alternative APN	`017-416-10-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	913 sqft Living Area
Gross Area	1,210 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Construction Type	Wood
Roof Material	Other
Lot Area	3,703 sqft (0.085 acres)
Garage Type	Attached
Garage Area	297 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	415 SPRUCE CIR
City	WATSONVILLE
State	CA
Zip	95076-3635
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 653 LOT 351
Legal Subdivision	TRACT 653 BAY VILLAGE
Legal Tract	653
Legal Lot Number	351
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2025
Census Tract	110102

Owner

Source: Santa Cruz County records, as of August 19, 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 Record
Mailing Address	415 SPRUCE CIR, WATSONVILLE, CA 95076-3635
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Grant Deed, Transfer · Conventional Mortgage OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY
May 22, 2026	Affidavit of Death of Trustee, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2000 · Amount on Record
Deed Sale	Mar 1, 2000 · Amount on Record
Prior Sale	May 8, 1998 · Amount on Record
Deed Document Number	200010037
Prior Transfer Date	Feb 2, 1994
Prior Transfer Doc	0000000050
Record Updated	Oct 29, 2026

May 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 22, 2026
Property Address	415 SPRUCE CIR, WATSONVILLE, CA 95076-3635
Document Number	0000011635
Instrument Date	May 21, 2026
Instrument	202611635
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 SPRUCE CIR, WATSONVILLE, CA 95076-3635

Mortgage

Document Number	0000011636,
Date	May 22, 2026
Instrument	202611636

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Affidavit of Death of Trustee, Transfer

Document Type	Affidavit of Death of Trustee
Jurisdiction	SANTA CRUZ CA
Recording Date	May 22, 2026
Property Address	415 SPRUCE CIR, WATSONVILLE, CA 95076-3635
Document Number	0000011634
Instrument Date	May 15, 2026
Instrument	202611634
Transaction Type	Transfer
Record Updated	Aug 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1491 BRANCIFORTE DR, SANTA CRUZ, CA 95065-9762

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	Assessed Market Value
2026		$234,376 (+2%) Land $117,580 Building $116,796
2025	$3,218.00 (+12.48%) Homeowner's exemption	$229,781 (+4.04%) Land $115,275 Building $114,506
2024	$2,861.00 (+1.67%)
2023	$2,814.00 (+2.03%) Homeowner's exemption	$220,858 Land $110,798 Building $110,060	$396,720
2022	$2,758.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 115 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	115 in force
Nearby Flood Claims	19 (2022–2023)
Most Recent Claim	Mar 2023 · Severe Winter Storms And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 17 claims

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

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.

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 1,034 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
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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