Santa Cruz County property record for 462 Larkin Valley Rd, Watsonville, CA 95076 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,592 sqft · built 1985 |
| Lot Size | 0.66 acres (28,750 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,265,000 (Oct 2022) |
| Tax Bill | $15,754 (2025) |
| Deeds & Mortgages | Apr 2022 Line of Credit Oct 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 049-161-20 |
| Primary APN | 049-161-20 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Building Area | 2,592 sqft Living Area |
| Gross Area | 3,156 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1995 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 28,750 sqft (0.66 acres) |
| Terrain | Steep |
| Garage Type | Attached |
| Garage Area | 564 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 903 sqft |
| Patio Area | 903 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 462 LARKIN VALLEY RD |
|---|---|
| City | WATSONVILLE |
| State | CA |
| Zip | 95076-8588 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | SAN ANDREAS RHO |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | WATSONVILLE |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 122402 |
Source: Santa Cruz County records · APN 049-161-20
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 1265, FREEDOM, CA 95019-1265 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Apr 05, 2022 | Deed of Trust, Mortgage · Line of Credit BAY FCU |
| Oct 26, 2022 | Grant Deed, Transfer · Conventional Mortgage US BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 26, 2022 · Amount on Record |
| Deed Sale | Oct 26, 2022 · Amount on Record |
| Prior Sale | Jan 13, 2009 · Amount on Record |
| Deed Document Number | 202229239 |
| Prior Transfer Date | Sep 16, 2010 |
| Prior Transfer Doc | 0000038756 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 462 LARKIN VALLEY RD, WATSONVILLE, CA 95076-8588 |
| Transaction Type | Mortgage |
| Record Updated | Nov 09, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 462 LARKIN VALLEY RD, WATSONVILLE, CA 95076-8588 |
| Document Number | 0000010921 |
|---|---|
| Date | Apr 05, 2022 |
| Instrument | 2022-0010921 |
| Name | BAY FCU |
|---|---|
| Type | Credit Union |
| Address | CAPITOLA, CA 95010 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | May 15, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Oct 26, 2022 |
| Property Address | 462 LARKIN VALLEY RD, WATSONVILLE, CA 95076-8588 |
| Document Number | 0000029239 |
| Instrument Date | Oct 17, 2022 |
| Instrument | 2022-0029239 |
| Transaction Type | Transfer |
| Record Updated | Nov 09, 2022 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,391.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | PO BOX 1265, FREEDOM, CA 95019-1265 |
| Document Number | 0000029240 |
|---|---|
| Date | Oct 26, 2022 |
| Instrument | 2022-0029240 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Type Change Date | Nov 01, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 9.5% |
| Index | 1-Year CMT |
| Max Rate | 9.5% |
Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,342,428 (+2%) Land $939,700 Building $402,728 | ||
| 2025 | $15,754.00 (+7.53%) | $1,316,106 (+4.04%) Land $921,274 Building $394,832 | |
| 2024 | $14,651.00 (+1.58%) | ||
| 2023 | $14,423.00 (+74.55%) | $1,265,000 Land $885,500 Building $379,500 | $1,111,590 |
| 2022 | $8,263.00 |
Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 67% of the US · above 41% of California |
|---|---|
| Wildfire Likelihood | About 1 in 412 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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