1. Home
  2. California
  3. Santa Cruz County
  4. Watsonville
  5. Carmel St

445 Carmel St, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 445 Carmel St, Watsonville, CA 95076

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,999 sqft · built 1957
Lot Size0.188 acres (8,189 sqft)
Owner2 Individual Names on File
Last Sale$850,000 (Jul 2022)
Tax Bill$11,261 (2025)
Deeds & MortgagesJul 2022 Sale & Mortgage
May 2020 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN019-124-05

Property Details

APN / Parcel Number

Primary APN019-124-05
Alternative APN
  • 019-124-05-000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area1,999 sqft Living Area

Exterior

Year BuiltBuilt 1957
Effective Year BuiltEffective 1957
Construction TypeWood
Roof TypeSawtooth
Roof MaterialComposition Shingle
Lot Area8,189 sqft (0.188 acres)

Utilities, Heating & Cooling

SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address445 CARMEL ST
CityWATSONVILLE
StateCA
Zip95076-3309
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionTR 125
Legal SubdivisionTRACT 125 GLEMAR
Legal Tract125
Legal Lot Number1
JurisdictionSANTA CRUZ CA
Township / Civil DivisionWATSONVILLE
Census Block Group2
Census Block2006
Census Tract110202

Owner

Source: Santa Cruz County records · APN 019-124-05

Assessment roll updated 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 Record2 Individual Names on File
Mailing Address445 CARMEL ST, WATSONVILLE, CA 95076-3309
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 01, 2022Grant Deed, Transfer · Conventional Mortgage
MASON MCDUFFIE MORTGAGE CORP
May 06, 2020Deed of Trust, Mortgage · FHA Mortgage
FEDERAL HSNG COMMISSIONER
May 06, 2020Deed of Trust, Mortgage · FHA Mortgage
HIGHTECHLENDING
Feb 28, 2018Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 01, 2022 · Amount on Record
Deed SaleJul 01, 2022 · Amount on Record
Deed Document Number202219694
Prior Transfer DateJan 26, 2018
Prior Transfer Doc0000006157
Record UpdatedSep 20, 2026

July 2022: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSANTA CRUZ CA
Recording DateJul 01, 2022
Property Address445 CARMEL ST, WATSONVILLE, CA 95076-3309
Document Number0000019694
Map ReferenceMB 33 PG 26
Instrument DateJun 28, 2022
Instrument2022-0019694
Transaction TypeTransfer
Record UpdatedJul 13, 2022
Title CompanyOLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$935.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address445 CARMEL ST, WATSONVILLE, CA 95076-3309

Mortgage

Document Number0000019695
DateJul 01, 2022
Instrument2022-0019695
Lender
NameMASON MCDUFFIE MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJul 01, 2052

May 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address445 CARMEL ST, WATSONVILLE, CA 95076-3309
Document Number0000016087
Instrument DateMay 06, 2020
Transaction TypeMortgage
Record UpdatedMay 29, 2020
Title CompanyFIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address445 CARMEL ST WATSONVILLE CA 950763309, WATSONVILLE, CA 95076-3309

Mortgage

Document Number0000016087
DateMay 11, 2020
Instrument16087
Lender
NameFEDERAL HSNG COMMISSIONER
Address451 7TH ST SW, WASHINGTON, DC 20410-0001
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Rate2.83%

May 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address445 CARMEL ST, WATSONVILLE, CA 95076-3309
Document Number0000016086
Instrument DateMay 06, 2020
Transaction TypeMortgage
Record UpdatedMay 29, 2020
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, SYNRGO INC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address445 CARMEL ST WATSONVILLE CA 950763309, WATSONVILLE, CA 95076-3309

Mortgage

Document Number0000016086
DateMay 11, 2020
Instrument16086
Lender
NameHIGHTECHLENDING
AddressIRVINE, CA 92614
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Rate2.83%

February 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSANTA CRUZ CA
Recording DateFeb 28, 2018
Property Address445 CARMEL ST, WATSONVILLE, CA 95076-3309
Document Number0000006157
Instrument DateJan 26, 2018
Instrument6157
Transaction TypeTransfer
Record UpdatedMar 14, 2018

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address445 CARMEL ST WATSONVILLE CA 950763309, WATSONVILLE, CA 95076-3309

Tax Assessment & Valuation

Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
MunicipalityWatsonville City
Unified School DistrictPajaro 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.

YearTax BillAssessed ValueAssessed Market Value
2026$902,026 (+2%) Land $541,216 Building $360,810
2025$11,261.00 (+12.72%)$884,340 (+4.04%) Land $530,604 Building $353,736
2023$9,990.00 (+171.54%)$850,000 Land $510,000 Building $340,000$748,350
2022$3,679.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 10, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies1 in force

Wildfire

Wildfire RiskNot 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 as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL		5,000 / 5,000
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
T-Mobile USA
Fixed Wireless		100 / 20

May also be available: California Internet.

Based on FCC filings for 512 locations within half a mile of this property.

Drinking Water

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

Water SystemCITY OF WATSONVILLE
serves 65,231 people
Water SourceSurface water
Last State InspectionJul 2023
Lead1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

Nearby Properties on Carmel St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures