Santa Cruz County property record for 421 Center St, Watsonville, CA 95076
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,924 sqft · built 1913 |
| Lot Size | 0.168 acres (7,318 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $209,000 (Oct 2008) |
| Tax Bill | $3,587 (2025) |
| Deeds & Mortgages | Mar 2024 Second Mortgage Sep 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 017-051-22 |
| Primary APN | 017-051-22 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 11 Rooms |
| Building Area | 1,924 sqft Living Area |
| Gross Area | 2,104 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1913 |
|---|---|
| Effective Year Built | Effective 1913 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 7,318 sqft (0.168 acres) |
| Garage Type | Attached |
| Garage Area | 180 sqft |
| Total Buildings | 2 Buildings |
| Heating System | HVAC |
|---|
| Street Address | 421 CENTER ST |
|---|---|
| City | WATSONVILLE |
| State | CA |
| Zip | 95076-4407 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | BLACKBURN 01 |
| Legal Lot Number | 32 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | WATSONVILLE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 110102 |
Source: Santa Cruz County records · APN 017-051-22
Assessment roll updated August 19, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 421 CENTER ST, WATSONVILLE, CA 95076-4407 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| Mar 13, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage BAY FCU |
| Sep 30, 2022 | Deed of Trust, Mortgage · Commercial Mortgage SANTA CRUZ COMMUNITY CU |
| Sep 01, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 15, 2008 · Amount on Record |
| Deed Sale | Oct 15, 2008 · Amount on Record |
| Prior Sale | Apr 07, 2008 · Amount on Record |
| Deed Document Number | 200842186 |
| Last Transfer Date | Mar 21, 2016 |
| Transfer Doc | 0000010095 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 421 CENTER ST, WATSONVILLE, CA 95076-4407 |
| Transaction Type | Mortgage |
| Record Updated | Apr 05, 2024 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 421 CENTER ST, WATSONVILLE, CA 95076-4407 |
| Document Number | 0000004624 |
|---|---|
| Date | Mar 13, 2024 |
| Instrument | 2024-0004624 |
| Name | BAY FCU |
|---|---|
| Type | Credit Union |
| Address | CAPITOLA, CA 95010 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 01, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 421 CENTER ST, WATSONVILLE, CA 95076-4407 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2022 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 421 CENTER ST, WATSONVILLE, CA 95076-4407 |
| Document Number | 0000027349 |
|---|---|
| Date | Sep 30, 2022 |
| Instrument | 2022-0027349 |
| Name | SANTA CRUZ COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | CAPITOLA, CA 95010 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 421 CENTER ST, WATSONVILLE, CA 95076-4407 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 421 CENTER ST, WATSONVILLE, CA 95076-4407 |
| Document Number | 0000045297 |
|---|---|
| Date | Sep 01, 2021 |
| Instrument | 2021-0045297 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2051 |
Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Municipality | Watsonville City |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $274,527 (+2%) Land $164,716 Building $109,811 | ||
| 2025 | $3,587.00 (+14.42%) | $269,144 (+4.04%) Land $161,486 Building $107,658 | |
| 2023 | $3,135.00 (+1.79%) | $258,693 Land $155,216 Building $103,477 | $324,990 |
| 2022 | $3,080.00 |
Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060871101021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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 |
|
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 823 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Cruzio Internet Fixed Wireless | 1,000 / 1,000 |
| Razzolink Fixed Wireless | 500 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| Etheric Communications, LLC. Fixed Wireless | 250 / 100 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: California Internet.
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | CITY OF WATSONVILLE serves 65,231 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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