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424 J St, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 424 J St, Watsonville, CA 95076

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,265 sqft · built 1995
Lot Size0.172 acres (7,492 sqft)
OwnerIndividual Name on Record
Tax Bill$3,494 (2025)
Deeds & MortgagesJul 2020 Mortgage
Flood ZoneZone X (moderate risk)
APN017-314-15

Property Details

APN / Parcel Number

Primary APN017-314-15
Alternative APN
  • 017-314-15-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,265 sqft Living Area
Gross Area1,665 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1995
Effective Year BuiltEffective 1995
Construction TypeWood
Roof MaterialComposition Shingle
Lot Area7,492 sqft (0.172 acres)
Garage TypeAttached
Garage Area400 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemWall Unit
Heating SystemFloor/Wall Furnace
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address424 J ST
CityWATSONVILLE
StateCA
Zip95076-4446
Property CategoryResidential
Property TypeResidential > Single Family > Home
JurisdictionSANTA CRUZ CA
Township / Civil DivisionWATSONVILLE
Census Block Group1
Census Block1004
Census Tract110102

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address424 J ST, WATSONVILLE, CA 95076-4446
OccupancyOwner Occupied
Owner TypeIndividual
VestingRight of Survivorship

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last Transfer DateJul 1, 2020
Transfer Doc0000027626
Record UpdatedSep 20, 2026

July 2020: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSANTA CRUZ CA
Recording DateJul 24, 2020
Property Address424 J ST, WATSONVILLE, CA 95076-4446
Document Number0000027626
Instrument DateJul 1, 2020
Instrument2020-0027626
Transaction TypeTransfer
Record UpdatedAug 17, 2021
Title CompanySTEWART TITLE OF CA INC

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRight of Survivorship
Address424 J ST, WATSONVILLE, CA 95076-4446

Mortgage

Document Number0000027627
DateJul 24, 2020
Instrument2020-0027627
Lender
NameBAY FCU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2050

Tax Assessment & Valuation

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
MunicipalityWatsonville City
Unified School DistrictPajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$250,284 (+2%) Land $114,849 Building $135,435
2025$3,494.00 (+13.96%) Homeowner's exemption$245,376 (+4.04%) Land $112,597 Building $132,779
2023$3,066.00 (+2.06%) Homeowner's exemption$235,848 Land $108,225 Building $127,623$416,430
2022$3,004.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 18 individual policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies21 units insured
incl. 3 condo units
Nearby Flood Claims6 (2022)
Most Recent ClaimDec 2022 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event
  • Severe Winter Storms, Flooding, Landslides, And Mudslides, Dec 2022 · 6 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot 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 SystemCITY OF WATSONVILLE
serves 65,231 people · EPA ID CA4410011
Water SourceSurface water
Last State InspectionJul 2023
Lead1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 427 locations within half a mile, as of December 31, 2025

ProviderMax 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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