Santa Cruz County property record for 474 Spruce Cir, Watsonville, CA 95076
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,334 sqft · built 1977 |
| Lot Size | 0.095 acres (4,138 sqft) |
| Owner | Individual Name on File |
| Last Sale | $526,000 (Jun 2021) |
| Tax Bill | $7,432 (2025) |
| Deeds & Mortgages | Jun 2021 Sale & Mortgage |
| Flood Zone | Zone AH (high risk) |
| APN | 017-417-21 |
| Primary APN | 017-417-21 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Building Area | 1,334 sqft Living Area |
| Gross Area | 1,630 sqft |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 2010 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 4,138 sqft (0.095 acres) |
| Garage Type | Attached |
| Garage Area | 296 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 474 SPRUCE CIR |
|---|---|
| City | WATSONVILLE |
| State | CA |
| Zip | 95076-3636 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | BAY VILLAGE SUB #4 TR #653 |
| Legal Lot Number | 377 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | WATSONVILLE |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 110102 |
474 Spruce Cir is owned and occupied by an individual who bought it in June 2021.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 474 SPRUCE CIR, WATSONVILLE, CA 95076-3636 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 14, 2021 · Amount on File |
| Deed Sale | Jun 14, 2021 · Amount on File |
| Prior Sale | May 27, 2014 · Amount on File |
| Deed Document Number | 202132727 |
| Prior Transfer Date | Feb 14, 2005 |
| Prior Transfer Doc | 0000010838 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Jun 14, 2021 |
| Property Address | 474 SPRUCE CIR, WATSONVILLE, CA 95076-3636 |
| Document Number | 0000032727 |
| Map Reference | VOL 58 PG 39 |
| Instrument Date | Jun 7, 2021 |
| Instrument | 2021-0032727 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2021 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $578.60 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 474 SPRUCE CIR, WATSONVILLE, CA 95076-3636 |
| Document Number | 0000032728 |
|---|---|
| Date | Jun 14, 2021 |
| Instrument | 2021-0032728 |
| Name | MASON MCDUFFIE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
The 2025 property tax bill for 474 Spruce Cir was $7,432 with a homeowner's exemption.
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 | $580,746 (+2%) Land $389,100 Building $191,646 | ||
| 2025 | $7,432.00 Homeowner's exemption | $569,360 Land $381,471 Building $187,889 | |
| 2023 | $6,577.00 (+1.86%) Homeowner's exemption | $547,251 Land $366,658 Building $180,593 | $471,600 |
| 2022 | $6,457.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 474 Spruce Cir in Zone AH, 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 AH high risk · shallow ponding 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 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 |
|
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.
The area around 474 Spruce 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.
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 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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