450 Larkin Valley Rd, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 450 Larkin Valley Rd, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,706 sqft · built 1985
Lot Size	4.99 acres (217,669 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,247,000 (Jul 2020)
Tax Bill	$16,083 (2025)
Deeds & Mortgages	Mar 2019 Line of Credit Jul 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`049-161-11`

Property Details

APN / Parcel Number

Primary APN	`049-161-11`
Alternative APN	`049-161-11-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Building Area	2,706 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	217,669 sqft
Terrain	Steep
Deck Area	1,025 sqft
Patio Area	1,025 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	450 LARKIN VALLEY RD
City	WATSONVILLE
State	CA
Zip	95076-8588
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Subdivision	SAN ANDREAS RHO
Legal Lot Number	3
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2022
Census Tract	122402

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	450 LARKIN VALLEY RD, WATSONVILLE, CA 95076-8588
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2019	Deed of Trust, Mortgage · Line of Credit SANTA CRUZ COUNTY BANK
Jul 21, 2020	Grant Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2020 · Amount on Record
Deed Sale	Jul 21, 2020 · Amount on Record
Deed Document Number	202026685
Prior Transfer Date	May 14, 2003
Prior Transfer Doc	0000048860
Record Updated	Sep 20, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	450 LARKIN VALLEY RD, WATSONVILLE, CA 95076-8588
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE OF CALIFORNIA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008065
Date	Mar 29, 2019
Instrument	2019-0008065

Lender

Name	SANTA CRUZ COUNTY BANK
Type	Bank
Address	SANTA CRUZ, CA 95061

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 21, 2020
Property Address	450 LARKIN VALLEY RD, WATSONVILLE, CA 95076-8588
Document Number	0000026685
Instrument Date	Jul 15, 2020
Instrument	26685
Transaction Type	Transfer
Record Updated	Aug 4, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$372.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	450 LARKIN VALLEY RD WATSONVILLE CA 950768588, WATSONVILLE, CA 95076-8588

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
2026		$1,376,788 (+2%) Land $824,748 Building $552,040
2025	$16,083.00 (+9.23%) Homeowner's exemption	$1,349,793 (+4.04%) Land $808,577 Building $541,216
2023	$14,724.00 (+1.77%) Homeowner's exemption	$1,297,379 Land $777,179 Building $520,200
2022	$14,468.00

Assessed value is set for property tax purposes and is not a market price estimate.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	3 (2016–2023)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Mar 2023 · Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides

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	Moderate above 66% of the US · above 41% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250

May also be available: Cruzio, Etheric Networks.

Cell Coverage

5G (outdoors only) and 4G LTE

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