486 Spruce Cir, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 486 Spruce Cir, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,038 sqft · built 1977
Lot Size	0.094 acres (4,095 sqft)
Owner	2 Trust Names on File
Last Sale	$500,000 (Feb 2023)
Tax Bill	$6,865 (2025)
Deeds & Mortgages	Aug 2025 Transfer Feb 2023 Transfer + 2 more
Flood Zone	Zone AH (high risk)
APN	`017-417-24`

Property Details

APN / Parcel Number

Primary APN	`017-417-24`
Alternative APN	`017-417-24-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,038 sqft Living Area
Gross Area	1,334 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Bungalow
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Other
Lot Area	4,095 sqft (0.094 acres)
Garage Type	Attached
Garage Area	296 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	486 SPRUCE CIR
City	WATSONVILLE
State	CA
Zip	95076-3636
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 653 LOT 380
Legal Subdivision	BAY VILLAGE
Legal Tract	653
Legal Lot Number	380
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2024
Census Tract	110102

Owner

486 Spruce Cir is held in a trust since February 2023.

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

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

Owner of Record	2 Trust Names on File
Mailing Address	207 WATSON DR, 2, CAMPBELL, CA 95008-1321
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2025	Intrafamily Transfer, Transfer
Feb 22, 2023	Intrafamily Transfer, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
Feb 22, 2023	Intrafamily Transfer, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
Feb 22, 2023	Grant Deed, Transfer · Conventional Mortgage MASON MCDUFFIE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 22, 2023 · Amount on File
Deed Sale	Feb 22, 2023 · Amount on File
Prior Sale	Aug 28, 1998 · Amount on File
Deed Document Number	20233017
Prior Transfer Date	Feb 15, 2023
Prior Transfer Doc	0000003016
Record Updated	Sep 20, 2026

August 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 11, 2025
Property Address	486 SPRUCE CIR, WATSONVILLE, CA 95076-3636
Document Number	0000016713
Map Reference	VOL 58
Instrument Date	Aug 5, 2025
Instrument	2025-0016713
Transaction Type	Transfer
Record Updated	Sep 26, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	207 WATSON DR APT 2, 2, CAMPBELL, CA 95008-1321

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 22, 2023
Property Address	486 SPRUCE CIR, WATSONVILLE, CA 95076-3636
Document Number	0000003019
Map Reference	VOL 58 PG 39
Instrument Date	Feb 17, 2023
Instrument	2023-0003019
Transaction Type	Transfer
Record Updated	Mar 8, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 WATSON DR APT 2, 2, CAMPBELL, CA 95008-1321

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 22, 2023
Property Address	486 SPRUCE CIR, WATSONVILLE, CA 95076-3636
Document Number	0000003018
Map Reference	VOL 58 PG 39
Instrument Date	Feb 17, 2023
Instrument	2023-0003018
Transaction Type	Transfer
Record Updated	Mar 8, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 WATSON DR APT 2, 2, CAMPBELL, CA 95008-1321

February 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 22, 2023
Property Address	486 SPRUCE CIR, WATSONVILLE, CA 95076-3636
Document Number	0000003017
Map Reference	VOL 58 PG 39
Instrument Date	Feb 17, 2023
Instrument	2023-0003017
Transaction Type	Transfer
Record Updated	Mar 8, 2023
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	$550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	207 WATSON DR APT 2, 2, CAMPBELL, CA 95008-1321

Mortgage

Document Number	0000003020
Date	Feb 22, 2023
Instrument	2023-0003020

Lender

Name	MASON MCDUFFIE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 486 Spruce Cir was $6,865, up 11.4% 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		$530,604 (+2%) Land $371,423 Building $159,181
2025	$6,865.00 (+11.35%)	$520,200 Land $364,140 Building $156,060
2024	$6,165.00 (+150.71%)
2023	$2,459.00 (+1.95%)	$188,359 Land $113,016 Building $75,343	$438,480
2022	$2,412.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 486 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	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 486 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.

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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