Santa Cruz County property record for 428 E Lake Ave, Watsonville, CA 95076
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 6 bd · 3 ba · 2,352 sqft · built 1924 |
| Lot Size | 0.168 acres (7,318 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $900,000 (Dec 2025) |
| Tax Bill | $9,532 (2025) |
| Deeds & Mortgages | Dec 2025 Sale Jan 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 017-051-06 |
| Primary APN | 017-051-06 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 12 Rooms |
| Stories | 2 Stories |
| Building Area | 2,352 sqft Living Area |
| Gross Area | 2,712 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1924 |
| Architectural Style | Multi-Family |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,318 sqft (0.168 acres) |
| Garage Type | Attached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Total Buildings | 2 Buildings |
| Heating System | Floor/Wall Furnace |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 428 E LAKE AVE, A |
|---|---|
| City | WATSONVILLE |
| State | CA |
| Zip | 95076-4425 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Legal Subdivision | BLACKBURN 01 |
| Legal Lot Number | 45 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | WATSONVILLE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 110102 |
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 Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 428 E LAKE AVE, A, WATSONVILLE, CA 95076-4425 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Dec 17, 2025 | Grant Deed, Transfer |
| Jan 26, 2023 | Deed of Trust, Mortgage · Commercial Mortgage STERLING PACIFIC LENDING INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 17, 2025 · Amount on Record |
| Deed Sale | Dec 17, 2025 · Amount on Record |
| Prior Sale | Jan 31, 2008 · Amount on Record |
| Deed Document Number | 202527979 |
| Prior Transfer Date | Aug 2, 1996 |
| Prior Transfer Doc | 0000044891 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Dec 17, 2025 |
| Property Address | 428 E LAKE AVE, WATSONVILLE, CA 95076-4425 |
| Document Number | 0000027979 |
| Map Reference | MB 15 PG 8 |
| Instrument Date | Dec 15, 2025 |
| Instrument | 2025-0027979 |
| Transaction Type | Transfer |
| Record Updated | Jan 1, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $990.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 1205 FREEDOM BLVD STE 2, 2, WATSONVILLE, CA 95076-2777 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 428 E LAKE AVE, WATSONVILLE, CA 95076-4425 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2023 |
| Title Company | STEWART TITLE, STEWART TITLE OF CA INC |
| Name | Verified Name |
|---|---|
| Address | 1205 FREEDOM BLVD 2, 2, WATSONVILLE, CA 95076-2777 |
| Document Number | 0000001281 |
|---|---|
| Date | Jan 26, 2023 |
| Instrument | 2023-0001281 |
| Name | STERLING PACIFIC LENDING INC |
|---|---|
| Type | Non-Lending Institution |
| Address | WATSONVILLE, CA 95076 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
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 |
|---|---|---|
| 2026 | $743,584 (+2%) Land $446,151 Building $297,433 | |
| 2025 | $9,532.00 (+12.74%) | $729,004 (+4.04%) Land $437,403 Building $291,601 |
| 2023 | $8,455.00 (+1.82%) | $700,696 Land $420,418 Building $280,278 |
| 2022 | $8,304.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 |
| 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 |
|
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: 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 823 locations within half a mile, as of December 31, 2025
| 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 Fixed Wireless | 1,000 / 1,000 |
| Razzolink Fixed Wireless | 500 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| Etheric Networks Fixed Wireless | 250 / 100 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: GeoLinks.
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