Santa Cruz County property record for 45 Marchant St, Watsonville, CA 95076
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 800 sqft · built 1990 |
| Lot Size | 0.056 acres (2,439 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $127,500 (Jan 2009) |
| Tax Bill | $2,549 (2025) |
| Deeds & Mortgages | Feb 2026 Line of Credit Mar 2021 Mortgage |
| Flood Zone | Zone AH (high risk) |
| APN | 017-262-37 |
| Primary APN | 017-262-37 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Building Area | 800 sqft Living Area |
| Gross Area | 1,200 sqft |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 2,439 sqft (0.056 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Floor/Wall Furnace |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 45 MARCHANT ST |
|---|---|
| City | WATSONVILLE |
| State | CA |
| Zip | 95076-5049 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | A017 26 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | WATSONVILLE |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 110301 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 45 MARCHANT ST, WATSONVILLE, CA 95076-5049 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 10, 2026 | Deed of Trust, Mortgage · Line of Credit COMERICA BANK |
| Mar 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 30, 2009 · Amount on Record |
| Deed Sale | Jan 30, 2009 · Amount on Record |
| Prior Sale | Sep 12, 2008 · Amount on Record |
| Deed Document Number | 20093576 |
| Prior Transfer Date | Jul 19, 2002 |
| Prior Transfer Doc | 0000052028 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 45 MARCHANT ST, WATSONVILLE, CA 95076-5049 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2026 |
| Name | Verified Name |
|---|---|
| Address | 46 MARCHANT ST, WATSONVILLE, CA 95076-5050 |
| Document Number | 0000002887 |
|---|---|
| Date | Feb 10, 2026 |
| Instrument | 2026-0002887 |
| Name | COMERICA BANK |
|---|---|
| Type | Bank |
| Address | FARMINGTON, MI 48331 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 15, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 45 MARCHANT ST, WATSONVILLE, CA 95076-5049 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2022 |
| Name | Verified Name |
|---|---|
| Address | 45 MARCHANT ST, WATSONVILLE, CA 95076-5049 |
| Document Number | 0000013172 |
|---|---|
| Date | Mar 4, 2021 |
| Instrument | 2021-0013172 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 1, 2036 |
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Municipality | Watsonville City |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $167,474 (+2%) Land $100,485 Building $66,989 | ||
| 2025 | $2,549.00 (+14.61%) | $164,190 (+4.04%) Land $98,515 Building $65,675 | |
| 2023 | $2,224.00 (+2.11%) | $157,815 Land $94,690 Building $63,125 | $305,370 |
| 2022 | $2,178.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AH high risk · shallow ponding 1–3 ft |
|---|---|
| 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 105 individual policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 109 units insured incl. 4 condo units |
| Nearby Flood Claims | 7 (2022–2023) |
| Most Recent Claim | Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 97.8% of California |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 394 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 DSL · Fiber in parts of the area | 100 / 20 |
May also be available: T-Mobile, Verizon.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures