Santa Cruz County property record for 481 Winchester Dr, Watsonville, CA 95076
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 2.5 ba · 1,469 sqft · built 1987 |
| Lot Size | 0.023 acres (1,002 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $165,500 (Sep 1998) |
| Tax Bill | $3,373 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Aug 2017 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 016-611-44 |
| Primary APN | 016-611-44 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Building Area | 1,469 sqft Living Area |
| Gross Area | 1,899 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Townhouse |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 1,002 sqft (0.023 acres) |
| Garage Type | Attached |
| Garage Area | 430 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 481 WINCHESTER DR |
|---|---|
| City | WATSONVILLE |
| State | CA |
| Zip | 95076-3179 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | LOT 3 |
| Legal Subdivision | WINCHESTER ACRES |
| Legal Block | G |
| Legal Lot Number | 3 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | WATSONVILLE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 110505 |
481 Winchester Dr, a townhouse, is owned and occupied by two individuals who acquired it in March 2003.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 481 WINCHESTER DR, WATSONVILLE, CA 95076-3179 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 2, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Aug 24, 2017 | Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 15, 1998 · Amount on File |
| Deed Sale | Sep 15, 1998 · Amount on File |
| Deed Document Number | 199854402 |
| Last Transfer Date | Mar 18, 2003 |
| Transfer Doc | 0000028616 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 481 WINCHESTER DR, WATSONVILLE, CA 95076-3179 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TIT |
| Name | Verified Name |
|---|---|
| Address | 481 WINCHESTER DR, WATSONVILLE, CA 95076-3179 |
| Document Number | 0000045513 |
|---|---|
| Date | Sep 2, 2021 |
| Instrument | 2021-0045513 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 481 WINCHESTER DR, WATSONVILLE, CA 95076-3179 |
| Document Number | 0000029184 |
| Instrument Date | Aug 24, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 481 WINCHESTER DR WATSONVILLE CA 950763179, WATSONVILLE, CA 95076-3179 |
| Document Number | 0000029184 |
|---|---|
| Date | Sep 1, 2017 |
| Instrument | 29184 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 481 Winchester Dr was $3,373 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 | $264,646 (+2%) Land $158,789 Building $105,857 | ||
| 2025 | $3,373.00 Homeowner's exemption | $259,458 Land $155,676 Building $103,782 | |
| 2023 | $2,940.00 (+1.87%) Homeowner's exemption | $249,383 Land $149,631 Building $99,752 | $542,430 |
| 2022 | $2,886.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 481 Winchester Dr in Zone X, an area of minimal flood risk.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 5 in force |
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 481 Winchester Dr 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 512 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 |
| Etheric Networks Fixed Wireless | 250 / 100 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
May also be available: GeoLinks, T-Mobile, Verizon.
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