434 Old Smith Rd, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 434 Old Smith Rd, Watsonville, CA 95076

Property Summary

Property Type	Recreational Vacant Land
Details	2 bd · 2 ba · 2,966 sqft · built 2010
Lot Size	6.56 acres (285,797 sqft)
Owner	Individual Name on File
Last Sale	$1,580,000 (Sep 2021)
Tax Bill	$20,277 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`109-112-07`

Property Details

APN / Parcel Number

Primary APN	`109-112-07`
Alternative APN	`109-112-07-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	2,966 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	285,797 sqft
Terrain	Steep
View / Lot	Mountain
Garage Type	Carport
Garage Area	400 sqft
Carport	Carport
Carport Area	400 sqft
Deck Area	624 sqft
Patio Area	624 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	434 OLD SMITH RD
City	WATSONVILLE
State	CA
Zip	95076-8676
Property Category	Public Works
Property Type	Public Works > Recreational Vacant Land
Local Zoning Code	SU
Legal Subdivision	SALSIPUEDES RHO
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1027
Census Tract	122401

Owner

434 Old Smith Rd, recreational vacant land, is owned and occupied by an individual who bought it in September 2021.

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

Owner of Record	Individual Name on File
Mailing Address	434 OLD SMITH RD, WATSONVILLE, CA 95076-8676
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2021	Grant Deed, Transfer · Conventional Mortgage US BANK NA
Oct 13, 2017	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2021 · Amount on File
Deed Sale	Sep 30, 2021 · Amount on File
Prior Sale	Jun 27, 1994 · Amount on File
Deed Document Number	202149769
Prior Transfer Date	Jun 16, 2006
Prior Transfer Doc	0000003135
Record Updated	Sep 20, 2026

September 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 30, 2021
Property Address	434 OLD SMITH RD, WATSONVILLE, CA 95076-8676
Document Number	0000049769
Map Reference	VOL 1867 PG 43
Instrument Date	Aug 21, 2021
Instrument	2021-0049769
Transaction Type	Transfer
Record Updated	Oct 12, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,738.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	434 OLD SMITH RD, WATSONVILLE, CA 95076

Mortgage

Document Number	0000049770
Date	Sep 30, 2021
Instrument	2021-0049770

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	434 OLD SMITH RD, WATSONVILLE, CA 95076-8676
Document Number	0000035582
Instrument Date	Oct 13, 2017
Transaction Type	Mortgage
Record Updated	Nov 28, 2017
Title Company	TSI TITLE COMPANY/CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	434 OLD SMITH RD WATSONVILLE CA 95076, WATSONVILLE, CA 95076

Mortgage

Document Number	0000035582
Date	Oct 24, 2017
Instrument	35582

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 23, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.12%

Tax Assessment & Valuation

The 2025 property tax bill for 434 Old Smith Rd was $20,277.

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

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Unified School District	Pajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,710,242 (+2%) Land $1,125,729 Building $584,513
2025	$20,277.00	$1,676,708 Land $1,103,656 Building $573,052
2023	$17,969.00 (+1.78%)	$1,611,600 Land $1,060,800 Building $550,800	$1,512,540
2022	$17,654.00

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

Flood

FEMA maps place 434 Old Smith Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1996.

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
Nearby Flood Claims	2 (1996–2023)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 2023 · Severe Storm And Flooding

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

Wildfire risk around 434 Old Smith Rd is moderate, ranking above 69% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 69% of the US · above 44% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cruzio Fixed Wireless	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100

Cell Coverage

5G (outdoors only) and 4G LTE

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