419 Prospect St, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 419 Prospect St, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 2,451 sqft · built 1958
Lot Size	0.233 acres (10,149 sqft)
Owner	2 Individual Names on File
Last Sale	$650,000 (Apr 2017)
Tax Bill	$9,640 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`019-061-15`

Property Details

APN / Parcel Number

Primary APN	`019-061-15`
Alternative APN	`019-061-15-000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	2,451 sqft Living Area
Gross Area	3,049 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1997
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	10,149 sqft (0.233 acres)
Garage Type	Attached
Garage Area	598 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	419 PROSPECT ST
City	WATSONVILLE
State	CA
Zip	95076-3233
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	MONTICETO
Legal Lot Number	74,75
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1005
Census Tract	110202

Owner

419 Prospect St is owned and occupied by two individuals who bought it in April 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	419 PROSPECT ST, WATSONVILLE, CA 95076-3233
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
Sep 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Apr 7, 2017	Grant Deed, Transfer · Conventional with PMI STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2017 · Amount on File
Deed Sale	Apr 7, 2017 · Amount on File
Prior Sale	Nov 23, 2016 · Amount on File
Deed Document Number	201711639
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	419 PROSPECT ST, WATSONVILLE, CA 95076-3233
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	419 PROSPECT ST, WATSONVILLE, CA 95076-3233

Mortgage

Document Number	0000038449
Date	Sep 25, 2020
Instrument	2020-0038449

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 7, 2017
Property Address	419 PROSPECT ST, WATSONVILLE, CA 95076-3233
Document Number	0000011639
Instrument Date	Apr 3, 2017
Instrument	11639
Transaction Type	Transfer
Record Updated	Apr 21, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$715.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	419 PROSPECT ST WATSONVILLE CA 950763233, WATSONVILLE, CA 95076-3233

Mortgage

Document Number	11640
Date	Apr 7, 2017
Instrument	11640

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 6, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 419 Prospect St was $9,640.

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		$769,468 (+2%) Land $384,734 Building $384,734
2025	$9,640.00	$754,380 Land $377,190 Building $377,190
2023	$8,542.00 (+1.78%)	$725,088 Land $362,544 Building $362,544	$667,350
2022	$8,393.00

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

Flood

FEMA maps place 419 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.

Wildfire

The area around 419 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.

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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