Santa Cruz County property record for 421 San Luis Ave, Watsonville, CA 95076
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 3 ba · 2,735 sqft · built 2022 |
| Lot Size | 0.051 acres (2,222 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $740,000 (Aug 2025) |
| Tax Bill | $6,957 (2025) |
| Deeds & Mortgages | Jul 2023 Mortgage Aug 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 018-732-06 |
| Primary APN | 018-732-06 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 2,735 sqft Living Area |
| Gross Area | 3,340 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2025 |
| Architectural Style | Townhouse |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 2,222 sqft (0.051 acres) |
| Garage Type | Attached |
| Garage Area | 605 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 12 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 421 SAN LUIS AVE |
|---|---|
| City | WATSONVILLE |
| State | CA |
| Zip | 95076-6715 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Subdivision | TRACT NO. 1587 SUNSHINE GARDEN |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | WATSONVILLE |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 110402 |
421 San Luis Ave, a townhouse, is owned and occupied by two individuals who bought it in August 2025.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 421 SAN LUIS AVE, WATSONVILLE, CA 95076-6715 |
| 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.
| Date | Document |
|---|---|
| Jul 27, 2023 | Deed of Trust, Mortgage · Commercial Mortgage LONG RIVER REAL ESTATE HOLDING LLC |
| Aug 28, 2025 | Grant Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL RESOURCES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 28, 2025 · Amount on File |
| Deed Sale | Aug 28, 2025 · Amount on File |
| Deed Document Number | 202518151 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 421 SAN LUIS AVE, WATSONVILLE, CA 95076-6715 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2025 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000013855 |
|---|---|
| Date | Jul 27, 2023 |
| Instrument | 2023-0013855 |
| Name | LONG RIVER REAL ESTATE HOLDING LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | NEWARK, DE 19702 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Aug 28, 2025 |
| Property Address | 421 SAN LUIS AVE, WATSONVILLE, CA 95076-6715 |
| Document Number | 0000018151 |
| Map Reference | VOL 127 PG 9 |
| Instrument Date | Aug 27, 2025 |
| Instrument | 2025-0018151 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $814.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 421 SAN LUIS AVE, WATSONVILLE, CA 95076-6715 |
| Document Number | 0000018152 |
|---|---|
| Date | Aug 28, 2025 |
| Instrument | 2025-0018152 |
| Name | AMERICAN FINANCIAL RESOURCES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 421 San Luis Ave was $6,957, up 16.6% from the year before.
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 | $740,000 (+34.94%) Land $235,000 Building $505,000 | ||
| 2025 | $6,957.00 (+16.63%) | $548,374 Land $68,374 Building $480,000 | |
| 2024 | $5,965.00 (+45.24%) | ||
| 2023 | $4,107.00 (+105.66%) | $351,719 Land $65,719 Building $286,000 | $766,440 |
| 2022 | $1,997.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 421 San Luis Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective July 10, 2019
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 421 San Luis Ave is low, with 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 95% of the US · lower than 97% of California |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 180 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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