440 2nd St, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 440 2nd St, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,155 sqft · built 1892
Lot Size	0.144 acres (6,273 sqft)
Owner	Individual Name on Record
Last Sale	$486,000 (Mar 2021)
Tax Bill	$3,330 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Mar 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`017-082-28`

Property Details

APN / Parcel Number

Primary APN	`017-082-28`
Alternative APN	`017-082-28-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,155 sqft Living Area
Gross Area	1,479 sqft

Exterior

Year Built	Built 1892
Effective Year Built	Effective 1990
Architectural Style	Bungalow
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,273 sqft (0.144 acres)
Garage Type	Attached
Garage Area	324 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	440 2ND ST
City	WATSONVILLE
State	CA
Zip	95076-5115
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 10
Legal Subdivision	STEPHEN SCURICHS
Legal Lot Number	10
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2003
Census Tract	110401

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	440 2ND ST, WATSONVILLE, CA 95076-5115
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage MASON MCDUFFIE MORTGAGE CORP
Mar 1, 2021	Grant Deed, Transfer · Conventional Mortgage MASON MCDUFFIE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2021 · Amount on Record
Deed Sale	Mar 1, 2021 · Amount on Record
Deed Document Number	202112185
Prior Transfer Date	Dec 12, 1996
Prior Transfer Doc	0000077117
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	440 2ND ST, WATSONVILLE, CA 95076-5115
Transaction Type	Mortgage
Record Updated	Jun 22, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 2ND ST, WATSONVILLE, CA 95076-5115

Mortgage

Document Number	0000017748
Date	Jun 9, 2022
Instrument	2022-0017748

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	Jul 1, 2052

March 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 1, 2021
Property Address	440 2ND ST, WATSONVILLE, CA 95076-5115
Document Number	0000012185
Map Reference	MB 12 PG 27
Instrument Date	Feb 2, 2021
Instrument	2021-0012185
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Relationship	Community Property with Right of Survivorship
Address	440 2ND ST, WATSONVILLE, CA 95076-5115

Mortgage

Document Number	0000012186
Date	Mar 1, 2021
Instrument	2021-0012186

Lender

Name	MASON MCDUFFIE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

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		$235,024 (+2%) Land $168,898 Building $66,126
2025	$3,330.00 (+14.04%) Homeowner's exemption	$230,416 (+4.04%) Land $165,587 Building $64,829
2023	$2,920.00 (-0.75%) Homeowner's exemption	$221,468 Land $159,156 Building $62,312	$455,580
2022	$2,942.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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

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 90 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	92 units insured incl. 2 condo units

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 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 97 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Cruzio Fixed Wireless	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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