45 Morehouse Dr, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 45 Morehouse Dr, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,947 sqft · built 1974
Lot Size	0.398 acres (17,337 sqft)
Owner	2 Company Names on Record
Tax Bill	$5,076 (2025)
Deeds & Mortgages	Mar 2022 Transfer Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`045-052-46`

Property Details

APN / Parcel Number

Primary APN	`045-052-46`
Alternative APN	`045-052-46-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	3,947 sqft Living Area
Gross Area	4,107 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	17,337 sqft (0.398 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	160 sqft
Parking Spaces	1 Parking Space
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	45 MOREHOUSE DR
City	WATSONVILLE
State	CA
Zip	95076-1628
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-9
Legal Subdivision	PM12 71
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	3
Census Block	3001
Census Tract	122300

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 Company Names on Record
Mailing Address	45 MOREHOUSE DR, WATSONVILLE, CA 95076-1628
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2022	Intrafamily Transfer, Transfer
Jul 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOW VA RATES LLC
Feb 19, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage NATIONAL BANK OF KANSAS CITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Mar 24, 2022
Transfer Doc	0000009778
Record Updated	Sep 20, 2026

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 25, 2022
Property Address	45 MOREHOUSE DR, WATSONVILLE, CA 95076-1628
Document Number	0000009778
Map Reference	MB 12 PG 71
Instrument Date	Mar 24, 2022
Instrument	2022-0009778
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	45 MOREHOUSE DR, LA SELVA BEACH, CA 95076-1628

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	45 MOREHOUSE DR, WATSONVILLE, CA 95076-1628
Transaction Type	Mortgage
Record Updated	Jul 21, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 W MINOR DR, KANSAS CITY, MO 64114-5542

Mortgage

Document Number	0000036531
Date	Jul 8, 2021
Instrument	2021-0036531

Lender

Name	LOW VA RATES LLC
Type	Mortgage Company
Address	KANSAS CITY, MO 64114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2036

February 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 19, 2020
Property Address	45 MOREHOUSE DR, WATSONVILLE, CA 95076-1628
Document Number	0000005765
Map Reference	MB 12 PG 71
Instrument Date	Jan 28, 2020
Instrument	2020-0005765
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	SOLIDIFI TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	45 MOREHOUSE DR, WATSONVILLE, CA 95076-1628

Mortgage

Document Number	0000005764
Date	Feb 19, 2020
Instrument	2020-0005764

Lender

Name	NATIONAL BANK OF KANSAS CITY
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2035

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Unified School District	Pajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$375,845 (+2%) Land $134,675 Building $241,170
2025	$5,076.00 (+13.25%) Homeowner's exemption	$368,475 (+4.04%) Land $132,034 Building $236,441
2023	$4,482.00 (+1.82%) Homeowner's exemption	$354,166 Land $126,907 Building $227,259	$1,167,300
2022	$4,402.00

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (1998)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Apr 1998 · Severe Winter Storms And Flooding
Claims by Event	Severe Winter Storms And Flooding, Apr 1998 · 2 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	Low lower than 62% of the US · lower than 77% of California
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	SOQUEL CREEK WATER DISTRICT serves 40,962 people · EPA ID CA4410017
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
Lead	2 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 104 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Razzolink Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Cruzio.

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