Santa Cruz County property record for 420 J St, Watsonville, CA 95076
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,456 sqft · built 1938 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $169,500 (Oct 1999) |
| Tax Bill | $4,803 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit |
| Flood Zone | Zone X (moderate risk) |
| APN | 017-314-14 |
| Primary APN | 017-314-14 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,456 sqft Living Area |
| Gross Area | 1,696 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1938 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 7,492 sqft (0.172 acres) |
| Garage Type | Attached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 120 sqft |
| Patio Area | 120 sqft |
| Sewer | Municipal |
|---|---|
| Water Source | Commercial |
| Street Address | 420 J ST |
|---|---|
| City | WATSONVILLE |
| State | CA |
| Zip | 95076-4446 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAP 000000 00000 |
| Legal Subdivision | WATSONVILLE |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | WATSONVILLE |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 110102 |
420 J St is owned and occupied by two individuals who bought it in October 1999.
Source: Santa Cruz County records, as of August 19, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 420 J ST, WATSONVILLE, CA 95076-4446 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 22, 1999 · Amount on File |
| Deed Sale | Oct 22, 1999 · Amount on File |
| Deed Document Number | 199967768 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 420 J ST, WATSONVILLE, CA 95076-4446 |
| Transaction Type | Mortgage |
| Record Updated | Mar 20, 2026 |
| Name | Verified Name |
|---|---|
| Address | 420 J ST, WATSONVILLE, CA 95076-4446 |
| Document Number | 0000004493 |
|---|---|
| Date | Mar 2, 2026 |
| Instrument | 2026-0004493 |
| Name | COMERICA BANK |
|---|---|
| Type | Bank |
| Address | DALLAS, TX 75201 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 2, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 420 J St was $4,803 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 | $353,781 (+2%) Land $159,439 Building $194,342 | ||
| 2025 | $4,803.00 Homeowner's exemption | $346,844 Land $156,313 Building $190,531 | |
| 2023 | $4,238.00 (+2%) Homeowner's exemption | $333,376 Land $150,243 Building $183,133 | $444,870 |
| 2022 | $4,155.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 420 J St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 18 individual policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 21 units insured incl. 3 condo units |
| Nearby Flood Claims | 6 (2022) |
| Most Recent Claim | Dec 2022 · Severe Winter Storms, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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.
The area around 420 J 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 427 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 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Etheric Networks, T-Mobile.
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