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490 Joyce Dr, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 490 Joyce Dr, Watsonville, CA 95076 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,210 sqft · built 1980
Lot Size0.095 acres (4,138 sqft)
Owner2 Company Names on File
Tax Bill$2,627 (2025)
Deeds & MortgagesJun 2026 Sale
Jul 2021 Line of Credit
Flood ZoneZone AH (high risk)
APN017-475-03

Property Details

APN / Parcel Number

Primary APN017-475-03
Alternative APN
  • 017-475-03-000

Interior

Bedrooms2 Beds
Full Baths2 Baths
Total Rooms4 Rooms
Building Area1,210 sqft Living Area
Gross Area1,628 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1980
Effective Year BuiltEffective 1980
Construction TypeWood
Roof MaterialWood Shingle
Lot Area4,138 sqft (0.095 acres)
Garage TypeAttached
Garage Area418 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address490 JOYCE DR
CityWATSONVILLE
StateCA
Zip95076-3662
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionTR 719
Legal SubdivisionBAY VILLAGE 06 TR 719
Legal Tract719
Legal Lot Number598
JurisdictionSANTA CRUZ CA
Township / Civil DivisionWATSONVILLE
Census Block Group1
Census Block1003
Census Tract110101

Owner

Source: Santa Cruz County records · APN 017-475-03

Assessment roll updated August 19, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Company Names on File
Mailing Address95 BRODIN LN, WATSONVILLE, CA 95076-0507
Owner TypeCompany
VestingTrust, Family Trust

Deeds, Mortgages & Sale History

DateDocument
Jun 16, 2026Deed, Transfer
NONE LISTED ON DOCUMENT
Jul 13, 2021Deed of Trust, Mortgage · Line of Credit
COMERICA BANK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last Transfer DateMar 06, 2014
Transfer Doc0000008106
Record UpdatedSep 20, 2026

June 2026: Deed, Transfer

Document TypeDeed
JurisdictionSANTA CRUZ CA
Recording DateJun 16, 2026
Property Address490 JOYCE DR, WATSONVILLE, CA 95076-3662
Document Number0000013576
Instrument DateJun 08, 2026
Instrument202613576
Transaction TypeTransfer
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address95 BRODIN LN, WATSONVILLE, CA 95076-0507
InvestorPossibly a Property Investor

July 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address490 JOYCE DR, WATSONVILLE, CA 95076-3662
Transaction TypeMortgage
Record UpdatedJul 28, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address490 JOYCE DR, WATSONVILLE, CA 95076-3662

Mortgage

Document Number0000037229
DateJul 13, 2021
Instrument2021-0037229
Lender
NameCOMERICA BANK
TypeBank
AddressDALLAS, TX 75201
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueJul 01, 2051
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
MunicipalityWatsonville City
Unified School DistrictPajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$194,764 (+2%) Land $74,592 Building $120,172
2025$2,627.00 (+15.27%)$190,945 (+4.04%) Land $73,129 Building $117,816
2023$2,279.00 (+1.83%)$183,530 Land $70,289 Building $113,241$511,470
2022$2,238.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060871101011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AH
shallow ponding 1–3 ft
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 88 individual NFIP policies nearby
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies88 in force
Nearby Flood Claims3 (2022–2023)
Most Recent ClaimMar 2023, other causes, Severe Storm And Flooding
Claims By Storm
  • Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 2 claims

Wildfire

Wildfire RiskLow
above 7% of the US · above 4% of California
Wildfire LikelihoodAbout 1 in 5,263 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 246 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Cruzio InternetFixed Wireless (unlicensed)1,000 / 1,000
SpectrumCable1,000 / 35
RazzolinkFixed Wireless (unlicensed)500 / 250
VerizonFixed Wireless300 / 20
Etheric Communications, LLC.Fixed Wireless (licensed-by-rule)250 / 100
AT&TDSL100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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