486 Larkin Valley Rd, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 486 Larkin Valley Rd, Watsonville, CA 95076

Property Summary

Property Type	Recreational Vacant Land
Details	2 bd · 2 ba · 2,602 sqft · built 1946
Lot Size	1.57 acres (68,476 sqft)
Owner	2 Individual Names on Record
Last Sale	$775,000 (Jul 2016)
Tax Bill	$11,050 (2025)
Deeds & Mortgages	May 2023 Line of Credit Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`049-161-18`

Property Details

APN / Parcel Number

Primary APN	`049-161-18`
Alternative APN	`049-161-18-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Building Area	2,602 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Effective Year Built	Effective 2007
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	68,476 sqft
Terrain	Steep
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Deck Area	300 sqft
Patio Area	300 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	486 LARKIN VALLEY RD
City	WATSONVILLE
State	CA
Zip	95076-8552
Property Category	Public Works
Property Type	Public Works > Recreational Vacant Land
Local Zoning Code	RA
Legal Subdivision	SAN ANDREAS RHO
Legal Lot Number	3
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2022
Census Tract	122402

Owner

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	486 LARKIN VALLEY RD, WATSONVILLE, CA 95076-8552
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
May 3, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jan 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2016 · Amount on Record
Deed Sale	Jul 7, 2016 · Amount on Record
Prior Sale	Apr 7, 2006 · Amount on Record
Deed Document Number	201624262
Prior Transfer Date	Mar 21, 2006
Prior Transfer Doc	0000019756
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	486 LARKIN VALLEY RD, WATSONVILLE, CA 95076-8552
Transaction Type	Mortgage
Record Updated	May 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	486 LARKIN VALLEY RD, WATSONVILLE, CA 95076-8552

Mortgage

Document Number	0000007722
Date	May 3, 2023
Instrument	2023-0007722

Lender

Name	PNC BANK NA
Type	Bank
Address	DAYTON, OH 45401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Apr 24, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	486 LARKIN VALLEY RD, WATSONVILLE, CA 95076-8552
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	486 LARKIN VALLEY RD, WATSONVILLE, CA 95076-8552

Mortgage

Document Number	0000001496
Date	Jan 11, 2021
Instrument	2021-0001496

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$917,444 (+2%) Land $680,684 Building $236,760
2025	$11,050.00 (+9.45%)	$899,454 (+4.04%) Land $667,337 Building $232,117
2023	$10,096.00 (+1.93%)	$864,527 Land $641,423 Building $223,104	$942,120
2022	$9,905.00

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

Flood

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	9 in force
Nearby Flood Claims	3 (2016–2023)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Mar 2023 · Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides

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

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

Wildfire Risk	Moderate above 66% of the US · above 41% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250

May also be available: Cruzio, Etheric Networks.

Cell Coverage

5G (outdoors only) and 4G LTE

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