463 Argos Cir, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 463 Argos Cir, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,639 sqft · built 1971
Lot Size	0.116 acres (5,053 sqft)
Owner	2 Individual Names on File
Last Sale	$580,000 (Jun 2021)
Tax Bill	$8,504 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`017-373-04`

Property Details

APN / Parcel Number

Primary APN	`017-373-04`
Alternative APN	`017-373-04-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,639 sqft Living Area
Gross Area	2,069 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 2010
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	5,053 sqft (0.116 acres)
Garage Type	Attached
Garage Area	430 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	463 ARGOS CIR
City	WATSONVILLE
State	CA
Zip	95076-4441
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR 529
Legal Subdivision	BAY VILLAGE
Legal Tract	529
Legal Lot Number	259
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2008
Census Tract	110102

Owner

463 Argos Cir is owned and occupied by two individuals who bought it in June 2021.

Source: Santa Cruz County records, as of August 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	463 ARGOS CIR, WATSONVILLE, CA 95076-4441
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2026	Deed of Trust, Mortgage · Line of Credit BAY FCU
Jun 10, 2021	Grant Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Oct 22, 2020	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2021 · Amount on File
Deed Sale	Jun 10, 2021 · Amount on File
Prior Sale	Mar 16, 2010 · Amount on File
Deed Document Number	202132280
Prior Transfer Date	Mar 10, 2004
Prior Transfer Doc	0000018599
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	463 ARGOS CIR, WATSONVILLE, CA 95076-4441
Transaction Type	Mortgage
Record Updated	Apr 10, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	463 ARGOS CIR, WATSONVILLE, CA 95076-4441

Mortgage

Document Number	0000006457
Date	Mar 25, 2026
Instrument	2026-0006457

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Apr 15, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 10, 2021
Property Address	463 ARGOS CIR, WATSONVILLE, CA 95076-4441
Document Number	0000032280
Map Reference	MB 54 PG 33
Instrument Date	Jun 7, 2021
Instrument	2021-0032280
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$638.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	463 ARGOS CIR, WATSONVILLE, CA 95076-4441

Mortgage

Document Number	0000032281
Date	Jun 10, 2021
Instrument	2021-0032281

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

October 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 22, 2020
Property Address	463 ARGOS CIR, WATSONVILLE, CA 95076-4441
Document Number	0000043278
Instrument Date	Oct 20, 2020
Instrument	43278
Transaction Type	Transfer
Record Updated	Nov 6, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	601 JUBILEE LN BAKERSFIELD CA 93311, BAKERSFIELD, CA 93311

Tax Assessment & Valuation

The 2025 property tax bill for 463 Argos Cir was $8,504, up 10.9% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$640,366 (+2%) Land $416,238 Building $224,128
2025	$8,504.00 (+10.86%)	$627,811 Land $408,077 Building $219,734
2024	$7,671.00 (+1.56%)
2023	$7,553.00 (+1.89%)	$603,432 Land $392,231 Building $211,201	$570,240
2022	$7,413.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 463 Argos Cir in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
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 File median of 115 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	115 in force
Nearby Flood Claims	19 (2022–2023)
Most Recent Claim	Mar 2023 · Severe Winter Storms And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 17 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

The area around 463 Argos Cir has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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	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

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 1,034 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
Etheric Networks Fixed Wireless	250 / 100
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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