421 Winchester Dr, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 421 Winchester Dr, Watsonville, CA 95076

Property Summary

Property Type	Townhouse
Details	2 bd · 1.5 ba · 1,024 sqft · built 1983
Lot Size	0.012 acres (523 sqft)
Owner	Individual Name on File
Last Sale	$379,000 (Feb 2019)
Tax Bill	$5,410 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Sep 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`016-192-46`

Property Details

APN / Parcel Number

Primary APN	`016-192-46`
Alternative APN	`016-192-46-000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Building Area	1,024 sqft Living Area
Gross Area	1,404 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Townhouse
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	523 sqft (0.012 acres)
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	421 WINCHESTER DR
City	WATSONVILLE
State	CA
Zip	95076-3174
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Subdivision	WINCHESTER ACRES TR #785
Legal Lot Number	19
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1000
Census Tract	110505

Owner

421 Winchester Dr, a townhouse, is owned and occupied by an individual who bought it in February 2019.

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

Owner of Record	Individual Name on File
Mailing Address	421 WINCHESTER DR, 4, WATSONVILLE, CA 95076-3174
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 7, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Sep 1, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Feb 28, 2019	Grant Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP
Feb 28, 2019	Correction Deed FIRST AMERICAN TITLE
Oct 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage HAWK HILL CAPITAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2019 · Amount on File
Deed Sale	Feb 28, 2019 · Amount on File
Prior Sale	Feb 4, 1994
Deed Document Number	20195100
Prior Transfer Date	Jan 30, 2019
Prior Transfer Doc	0000005099
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	421 WINCHESTER DR, WATSONVILLE, CA 95076-3174
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	TITLE CONNECTION, TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 WINCHESTER DR, WATSONVILLE, CA 95076-3174

Mortgage

Document Number	0000031381
Date	Jun 7, 2021
Instrument	2021-0031381

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	421 WINCHESTER DR, WATSONVILLE, CA 95076-3174
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 WINCHESTER DR, WATSONVILLE, CA 95076-3174

Mortgage

Document Number	0000034063
Date	Sep 1, 2020
Instrument	2020-0034063

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 28, 2019
Property Address	421 WINCHESTER DR, WATSONVILLE, CA 95076-3174
Document Number	0000005100
Map Reference	MB 66 PG 57
Instrument Date	Feb 25, 2019
Instrument	2019-0005100
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 WINCHESTER DR # 4, 4, WATSONVILLE, CA 95076-3174

Mortgage

Document Number	0000005101
Date	Feb 28, 2019
Instrument	2019-0005101

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

February 2019: Correction Deed

Document Type	Correction Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 28, 2019
Property Address	421 WINCHESTER DR, WATSONVILLE, CA 95076-3174
Document Number	0000005099
Instrument Date	Jan 30, 2019
Instrument	5099
Record Updated	Mar 14, 2019
Title Company	FIRST AMERICAN TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 WINCHESTER DR WATSONVILLE CA 950763174, WATSONVILLE, CA 95076-3174

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	421 WINCHESTER DR, WATSONVILLE, CA 95076-3174
Document Number	0000035935
Instrument Date	Oct 13, 2017
Transaction Type	Mortgage
Record Updated	Nov 30, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	47 GARDNER AVE #A WATSONVILLE CA 950762103, A, WATSONVILLE, CA 95076-2103

Mortgage

Document Number	0000035935
Date	Oct 25, 2017
Instrument	35935

Lender

Name	HAWK HILL CAPITAL LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 421 Winchester Dr was $5,410 with a homeowner's exemption.

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		$431,237 (+2%) Land $301,866 Building $129,371
2025	$5,410.00 Homeowner's exemption	$422,782 Land $295,947 Building $126,835
2023	$4,760.00 (+1.82%) Homeowner's exemption	$406,364 Land $284,455 Building $121,909	$412,290
2022	$4,675.00

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

Flood

FEMA maps place 421 Winchester Dr 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	5 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

The area around 421 Winchester Dr 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)
Spectrum Cable	1,000 / 1,000
Cruzio Fixed Wireless	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
Etheric Networks Fixed Wireless	250 / 100
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile, Verizon.

Nearby Properties on Winchester Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures