Santa Cruz County property record for 491 Joyce Dr, Watsonville, CA 95076
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,234 sqft · built 1980 |
| Lot Size | 0.104 acres (4,530 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $185,500 (Apr 1999) |
| Tax Bill | $2,088 (2025) |
| Deeds & Mortgages | Oct 2019 Mortgage Jul 2019 Transfer + 4 more |
| Flood Zone | Zone AH (high risk) |
| APN | 017-474-23 |
| Primary APN | 017-474-23 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Building Area | 1,234 sqft Living Area |
| Gross Area | 1,652 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Construction Type | Wood |
| Roof Material | Wood Shingle |
| Lot Area | 4,530 sqft (0.104 acres) |
| Garage Type | Attached |
| Garage Area | 418 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 491 JOYCE DR |
|---|---|
| City | WATSONVILLE |
| State | CA |
| Zip | 95076-3663 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | BAY VILLAGE |
| Legal Lot Number | 595 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | WATSONVILLE |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 110101 |
Source: Santa Cruz County records · APN 017-474-23
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 491 JOYCE DR, WATSONVILLE, CA 95076-3663 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Oct 02, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MOUNTAIN WEST FINANCIAL INC |
| Jul 17, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Apr 17, 2019 | Trustee's Deed, Construction Loan · Construction Mortgage GREGG A FELDMAN |
| Aug 07, 2018 | Affidavit of Death, Transfer ATTORNEY ONLY |
| Jul 18, 2017 | Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS |
| Jul 18, 2017 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 30, 1999 · Amount on Record |
| Deed Sale | Apr 30, 1999 · Amount on Record |
| Prior Sale | Jan 30, 1995 |
| Deed Document Number | 199930967 |
| Last Transfer Date | Jul 12, 2019 |
| Transfer Doc | 0000019957 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 491 JOYCE DR, WATSONVILLE, CA 95076-3663 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000030191 |
|---|---|
| Date | Oct 02, 2019 |
| Instrument | 2019-0030191 |
| Name | MOUNTAIN WEST FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Address | REDLANDS, CA 92374 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Jul 17, 2019 |
| Property Address | 491 JOYCE DR, WATSONVILLE, CA 95076-3663 |
| Document Number | 0000019957 |
| Instrument Date | Jul 12, 2019 |
| Instrument | 19957 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 491 JOYCE DR WATSONVILLE CA 950763663, WATSONVILLE, CA 95076-3663 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Apr 17, 2019 |
| Property Address | 491 JOYCE DR, WATSONVILLE, CA 95076-3663 |
| Instrument Date | Apr 08, 2019 |
| Instrument | 9752 |
| Transaction Type | Construction Loan |
| Record Updated | May 01, 2019 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | PO BOX 1408 SANTA CRUZ CA 950611408, SANTA CRUZ, CA 95061-1408 |
| Document Number | 0000009752 |
|---|---|
| Date | Apr 17, 2019 |
| Instrument | 9752 |
| Name | GREGG A FELDMAN |
|---|---|
| Address | 3275 E ROBERTSON BLYD # B, CHOWCHILLA, CA 93610 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Apr 16, 2020 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Aug 07, 2018 |
| Property Address | 491 JOYCE DR, WATSONVILLE, CA 95076-3663 |
| Document Number | 0000024238 |
| Instrument Date | Jul 25, 2018 |
| Instrument | 24238 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | PO BOX 1408 SANTA CRUZ CA 950611408, SANTA CRUZ, CA 95061-1408 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 491 JOYCE DR, WATSONVILLE, CA 95076-3663 |
| Document Number | 0000024694 |
| Instrument Date | Jul 18, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 491 JOYCE DR WATSONVILLE CA 950763663, WATSONVILLE, CA 95076-3663 |
| Document Number | 0000024694 |
|---|---|
| Date | Jul 27, 2017 |
| Instrument | 24694 |
| Name | AMERICAN ADVISORS |
|---|---|
| Address | ORANGE, CA 92868 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.49% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 491 JOYCE DR, WATSONVILLE, CA 95076-3663 |
| Document Number | 0000024695 |
| Instrument Date | Jul 18, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 04, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 491 JOYCE DR WATSONVILLE CA 950763663, WATSONVILLE, CA 95076-3663 |
| Document Number | 0000024695 |
|---|---|
| Date | Jul 27, 2017 |
| Instrument | 24695 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.49% |
Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Municipality | Watsonville City |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $157,876 (+2%) Land $70,832 Building $87,044 | |
| 2025 | $2,088.00 (+16.32%) Homeowner's exemption | $154,780 (+4.04%) Land $69,444 Building $85,336 |
| 2023 | $1,795.00 (+1.93%) Homeowner's exemption | $148,770 Land $66,748 Building $82,022 |
| 2022 | $1,761.00 |
Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), as of July 10, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060871101011, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 Record 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 |
|
| Wildfire Risk | Low lower than 93% of the US · lower than 96% of California |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cruzio Internet Fixed Wireless | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 35 |
| Razzolink Fixed Wireless | 500 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| Etheric Communications, LLC. Fixed Wireless | 250 / 100 |
| AT&T DSL | 100 / 20 |
Based on FCC filings for 246 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system CA4410011, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF WATSONVILLE serves 65,231 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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