438 Spruce Cir, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 438 Spruce Cir, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 913 sqft · built 1977
Lot Size	0.075 acres (3,267 sqft)
Owner	Individual Name on File
Last Sale	$335,000 (May 2015)
Tax Bill	$5,374 (2025)
Deeds & Mortgages	Sep 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`017-417-12`

Property Details

APN / Parcel Number

Primary APN	`017-417-12`
Alternative APN	`017-417-12-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	913 sqft Living Area
Gross Area	1,210 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Bungalow
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Other
Lot Area	3,267 sqft (0.075 acres)
Garage Type	Attached
Garage Area	297 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	438 SPRUCE CIR
City	WATSONVILLE
State	CA
Zip	95076-3636
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 653 LOT 368
Legal Subdivision	BAY VILLAGE SUB #4 TR #653
Legal Tract	653
Legal Lot Number	368
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2024
Census Tract	110102

Owner

Source: Santa Cruz County assessment roll, APN 017-417-12, as of August 19, 2026 · Last verified August 2026

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

Owner of Record	Individual Name on File
Mailing Address	438 SPRUCE CIR, WATSONVILLE, CA 95076-3636
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 08, 2015 · Amount on Record
Deed Sale	May 08, 2015 · Amount on Record
Prior Sale	Jul 21, 2014 · Amount on Record
Deed Document Number	201517736
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	438 SPRUCE CIR, WATSONVILLE, CA 95076-3636
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 SPRUCE CIR, WATSONVILLE, CA 95076-3636

Mortgage

Document Number	0000038722
Date	Sep 28, 2020
Instrument	2020-0038722

Lender

Name	MASON MCDUFFIE MORTGAGE CORP
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2050

Tax Assessment & Valuation

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$410,673 (+2%) Land $245,178 Building $165,495
2025	$5,374.00 (+13.38%) Homeowner's exemption	$402,620 (+4.04%) Land $240,370 Building $162,250
2023	$4,740.00 (+1.91%) Homeowner's exemption	$386,985 Land $231,036 Building $155,949	$443,610
2022	$4,651.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), as of July 10, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060871101022, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 115 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	115 in force
Nearby Flood Claims	19 (2022–2023)
Most Recent Claim	Mar 2023 · Severe Winter Storms And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 17 claims

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, 1,034 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Cruzio Internet Fixed Wireless	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20
Etheric Communications, LLC. Fixed Wireless	250 / 100
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile USA.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system CA4410011, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF WATSONVILLE serves 65,231 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.