490 Vivienne Dr, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 490 Vivienne Dr, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,154 sqft · built 1978
Lot Size	0.085 acres (3,703 sqft)
Owner	2 Individual Names on File
Last Sale	$625,000 (Apr 2023)
Tax Bill	$7,896 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Apr 2023 Sale & Mortgage + 2 more
Flood Zone	Zone AH (high risk)
APN	`017-473-03`

Property Details

APN / Parcel Number

Primary APN	`017-473-03`
Alternative APN	`017-473-03-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,154 sqft Living Area
Gross Area	1,407 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2017
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	3,703 sqft (0.085 acres)
Garage Type	Attached
Garage Area	253 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	490 VIVIENNE DR
City	WATSONVILLE
State	CA
Zip	95076-3653
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 719 LOT 557
Legal Subdivision	BAY VILLAGE #6 TR #719
Legal Tract	719
Legal Lot Number	557
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1005
Census Tract	110101

Owner

490 Vivienne Dr is owned and occupied by two individuals who bought it in April 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	490 VIVIENNE DR, WATSONVILLE, CA 95076-3653
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2026	Deed of Trust, Mortgage · FHA Mortgage GLOBAL EQUITY FINANCE INC
Apr 25, 2023	Grant Deed, Transfer · Conventional Mortgage PREMIER MORTGAGE RESOURCES LLC
Aug 15, 2017	Grant Deed, Transfer · Conventional Mortgage BAY FCU
Feb 1, 2017	Grant Deed, Transfer OLD REPUBLIC TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2023 · Amount on File
Deed Sale	Apr 25, 2023 · Amount on File
Prior Sale	Aug 15, 2017 · Amount on File
Deed Document Number	20237091
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	490 VIVIENNE DR, WATSONVILLE, CA 95076-3653
Transaction Type	Mortgage
Record Updated	Mar 12, 2026
Title Company	USA NATIONAL TITLE COMPANY, USA NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 VIVIENNE DR, WATSONVILLE, CA 95076-3653

Mortgage

Document Number	0000004273
Date	Feb 26, 2026
Instrument	2026-0004273

Lender

Name	GLOBAL EQUITY FINANCE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92126

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Jul 1, 2029
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.75%
Index	1-Year T-Bill
Max Rate	5.75%

April 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 25, 2023
Property Address	490 VIVIENNE DR, WATSONVILLE, CA 95076-3653
Document Number	0000007091
Map Reference	MB 64 PG 47
Instrument Date	Apr 21, 2023
Instrument	2023-0007091
Transaction Type	Transfer
Record Updated	May 10, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$687.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	490 VIVIENNE DR, WATSONVILLE, CA 95076-3653

Mortgage

Document Number	0000007092
Date	Apr 25, 2023
Instrument	2023-0007092

Lender

Name	PREMIER MORTGAGE RESOURCES LLC
Type	Mortgage Company

Agreement

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

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 15, 2017
Property Address	490 VIVIENNE DR, WATSONVILLE, CA 95076-3653
Document Number	0000026892
Map Reference	MB64 PG47
Instrument Date	Aug 7, 2017
Instrument	2017-0026892
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	490 VIVIENNE DR, WATSONVILLE, CA 95076-3653

Mortgage

Document Number	0000026893
Date	Aug 15, 2017
Instrument	2017-0026893

Lender

Name	BAY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 1, 2017
Property Address	490 VIVIENNE DR, WATSONVILLE, CA 95076-3653
Document Number	0000003922
Instrument Date	Jan 26, 2017
Instrument	3922
Transaction Type	Transfer
Record Updated	Mar 8, 2017
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Tax	$341.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	35 OAK TREE LN APTOS CA 950039577, APTOS, CA 95003-9577

Tax Assessment & Valuation

The 2025 property tax bill for 490 Vivienne Dr was $7,896 with a homeowner's exemption.

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		$620,790 (+2%) Land $372,474 Building $248,316
2025	$7,896.00 Homeowner's exemption	$608,620 Land $365,172 Building $243,448
2023	$5,648.00 (+1.88%) Homeowner's exemption	$469,174 Land $234,587 Building $234,587	$548,820
2022	$5,544.00

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

Flood

FEMA maps place 490 Vivienne Dr 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 88 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	88 in force
Nearby Flood Claims	3 (2022–2023)
Most Recent Claim	Mar 2023 · Severe Storm And Flooding
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 2 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 490 Vivienne 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.

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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