Santa Cruz County property record for 46 Coolidge St, Watsonville, CA 95076
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,088 sqft · built 1933 |
| Lot Size | 0.123 acres (5,358 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $410,000 (Sep 2015) |
| Tax Bill | $6,532 (2025) |
| Deeds & Mortgages | Nov 2017 Mortgage Nov 2017 Loan Modification |
| Flood Zone | Zone AO (high risk) |
| APN | 017-282-16 |
| Primary APN | 017-282-16 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,088 sqft Living Area |
| Gross Area | 1,568 sqft |
| Year Built | Built 1933 |
|---|---|
| Effective Year Built | Effective 2005 |
| Construction Type | Wood |
| Lot Area | 5,358 sqft (0.123 acres) |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Sewer | Municipal |
|---|---|
| Water Source | Commercial |
| Street Address | 46 COOLIDGE ST |
|---|---|
| City | WATSONVILLE |
| State | CA |
| Zip | 95076-5019 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | WATSONVILLE |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 110301 |
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 | 46 COOLIDGE ST, WATSONVILLE, CA 95076-5019 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Nov 16, 2017 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Nov 16, 2017 | Loan Modification, Mortgage · Conventional Mortgage PHH MTG SVCS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 1, 2015 · Amount on Record |
| Deed Sale | Sep 1, 2015 · Amount on Record |
| Prior Sale | Jan 15, 2010 · Amount on Record |
| Deed Document Number | 201535668 |
| Prior Transfer Date | Jun 15, 2007 |
| Prior Transfer Doc | 0000034439 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 46 COOLIDGE ST, WATSONVILLE, CA 95076-5019 |
| Document Number | 0000041769 |
| Instrument Date | Nov 16, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Title Company | PHH MORTGAGE SERVICES |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 46 COOLIDGE ST WATSONVILLE CA 950765019, WATSONVILLE, CA 95076-5019 |
| Document Number | 0000041769 |
|---|---|
| Date | Dec 11, 2017 |
| Instrument | 41769 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 10, 2047 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 46 COOLIDGE ST, WATSONVILLE, CA 95076-5019 |
| Document Number | 0000040461 |
| Instrument Date | Nov 16, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 46 COOLIDGE ST WATSONVILLE CA 950765019, WATSONVILLE, CA 95076-5019 |
| Document Number | 0000040461 |
|---|---|
| Date | Dec 1, 2017 |
| Instrument | 40461 |
| Name | PHH MTG SVCS |
|---|---|
| Type | Mortgage Company |
| Address | MT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 30, 2047 |
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 | $495,064 (+2%) Land $297,038 Building $198,026 | ||
| 2025 | $6,532.00 (+12.97%) Homeowner's exemption | $485,356 (+4.04%) Land $291,214 Building $194,142 | |
| 2023 | $5,782.00 (+1.92%) Homeowner's exemption | $466,510 Land $279,906 Building $186,604 | $487,530 |
| 2022 | $5,673.00 |
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 AO high risk · sheet flow 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 96% of the US · lower than 97.4% of California |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 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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