416 Carmel St, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 416 Carmel St, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,471 sqft · built 1956
Lot Size	0.173 acres (7,536 sqft)
Owner	2 Individual Names on File
Last Sale	$199,000 (Nov 1996)
Tax Bill	$4,273 (2025)
Deeds & Mortgages	May 2021 Mortgage Mar 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`019-114-07`

Property Details

APN / Parcel Number

Primary APN	`019-114-07`
Alternative APN	`019-114-07-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,471 sqft Living Area

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	7,536 sqft (0.173 acres)

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	416 CARMEL ST
City	WATSONVILLE
State	CA
Zip	95076-3310
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 98 LOT 12
Legal Subdivision	GLEMAR
Legal Tract	98
Legal Lot Number	12
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2005
Census Tract	110202

Owner

416 Carmel St is owned and occupied by two individuals who bought it in November 1996.

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

Owner of Record	2 Individual Names on File
Mailing Address	416 CARMEL ST, WATSONVILLE, CA 95076-3310
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.

Deeds, Mortgages & Sale History

Date	Document
May 28, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Mar 13, 2018	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Feb 13, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 8, 1996 · Amount on File
Deed Sale	Nov 8, 1996 · Amount on File
Deed Document Number	199661681
Deed Book / Page	5935 / 739
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	416 CARMEL ST, WATSONVILLE, CA 95076-3310
Transaction Type	Mortgage
Record Updated	Jun 11, 2021
Title Company	TITLE CONNECTION, TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 CARMEL ST, WATSONVILLE, CA 95076-3310

Mortgage

Document Number	0000030060
Date	May 28, 2021
Instrument	2021-0030060

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	325 Months
Due	Jun 1, 2048

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	416 CARMEL ST, WATSONVILLE, CA 95076-3310
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007540
Date	Mar 13, 2018
Instrument	2018-0007540

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2048

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	416 CARMEL ST, WATSONVILLE, CA 95076-3310
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005247
Date	Feb 13, 2020
Instrument	2020-0005247

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	339 Months
Due	May 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 416 Carmel St was $4,273.

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		$330,600 (+2%) Land $165,300 Building $165,300
2025	$4,273.00	$324,118 Land $162,059 Building $162,059
2023	$3,748.00 (+1.79%)	$311,532 Land $155,766 Building $155,766	$767,610
2022	$3,682.00

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

Flood

FEMA maps place 416 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 416 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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