443 McKenzie Ct, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 443 McKenzie Ct, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,242 sqft · built 1951
Lot Size	0.128 acres (5,576 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,000 (Jun 2009)
Tax Bill	$5,783 (2025)
Deeds & Mortgages	Sep 2025 Second Mortgage Jan 2018 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`017-311-03`

Property Details

APN / Parcel Number

Primary APN	`017-311-03`
Alternative APN	`017-311-03-000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	8 Rooms
Building Area	2,242 sqft Living Area
Gross Area	2,482 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1980
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	5,576 sqft (0.128 acres)
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	443 MCKENZIE CT
City	WATSONVILLE
State	CA
Zip	95076-4416
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 107 LOT 3
Legal Subdivision	WILL-MAR MANOR TR 107
Legal Tract	107
Legal Lot Number	3
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1004
Census Tract	110102

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 Record	2 Individual Names on Record
Mailing Address	443 MCKENZIE CT, WATSONVILLE, CA 95076-4416
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Jan 3, 2018	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LNDG
Jun 20, 2017	Deed of Trust, Mortgage · Conventional with PMI WESTERN BANCORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2009 · Amount on Record
Deed Sale	Jun 5, 2009 · Amount on Record
Prior Sale	Aug 14, 2007 · Amount on Record
Deed Document Number	200926685
Last Transfer Date	May 13, 2016
Transfer Doc	0000018285
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	443 MCKENZIE CT, WATSONVILLE, CA 95076-4416
Transaction Type	Mortgage
Record Updated	Oct 17, 2025
Title Company	SERVICELINK HOME EQUITY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	443 MCKENZIE CT, WATSONVILLE, CA 95076-4416
Investor	Possibly a Property Investor

Mortgage

Document Number	0000020648
Date	Sep 30, 2025
Instrument	2025-0020648

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2045

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	443 MCKENZIE CT, WATSONVILLE, CA 95076-4416
Document Number	0000000704
Instrument Date	Jan 3, 2018
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	443 MCKENZIE CT WATSONVILLE CA 950764416, WATSONVILLE, CA 95076-4416

Mortgage

Document Number	0000000704
Date	Jan 9, 2018
Instrument	704

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 8, 2048

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	443 MCKENZIE CT, WATSONVILLE, CA 95076-4416
Document Number	0000021127
Instrument Date	Jun 20, 2017
Transaction Type	Mortgage
Record Updated	Oct 24, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	443 MCKENZIE CT WATSONVILLE CA 950764416, WATSONVILLE, CA 95076-4416

Mortgage

Document Number	0000021127
Date	Jun 28, 2017
Instrument	21127

Lender

Name	WESTERN BANCORP
Type	Bank
Address	SAN JOSE, CA 95123

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 27, 2047

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		$427,154 (+2%) Land $170,758 Building $256,396
2025	$5,783.00 (+13.02%) Homeowner's exemption	$418,779 (+4.04%) Land $167,410 Building $251,369
2023	$5,117.00 (+1.97%) Homeowner's exemption	$402,517 Land $160,909 Building $241,608	$556,650
2022	$5,018.00

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 Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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	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 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 427 locations within half a mile, as of December 31, 2025

Provider	Max 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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