Santa Cruz County property record for 495 Joyce Dr, Watsonville, CA 95076
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,234 sqft · built 1983 |
| Lot Size | 0.114 acres (4,966 sqft) |
| Owner | 2 Company Names on File |
| Tax Bill | $2,953 (2025) |
| Deeds & Mortgages | Oct 2025 Transfer Oct 2025 Transfer + 4 more |
| Flood Zone | Zone AH (high risk) |
| APN | 017-474-22 |
| Primary APN | 017-474-22 |
|---|---|
| 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 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Construction Type | Wood |
| Roof Material | Wood Shingle |
| Lot Area | 4,966 sqft (0.114 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 | 495 JOYCE DR |
|---|---|
| City | WATSONVILLE |
| State | CA |
| Zip | 95076-3663 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TR 719 |
| Legal Subdivision | BAY VILLAGE |
| Legal Tract | 719 |
| Legal Lot Number | 594 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | WATSONVILLE |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 110101 |
Source: Santa Cruz County assessment roll, 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 Company Names on File |
|---|---|
| Mailing Address | 495 JOYCE DR, WATSONVILLE, CA 95076-3663 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Oct 22, 2025 | Affidavit of Death of Joint Tenant, Transfer |
| Oct 22, 2025 | Intrafamily Transfer, Transfer |
| Mar 24, 2022 | Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC |
| Sep 4, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC |
| Nov 12, 2019 | Deed of Trust, Mortgage · Conventional with PMI MR COOPER |
| Apr 1, 2018 | Deed of Trust, Mortgage · Conventional Mortgage MR COOPER |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | May 18, 2001 |
| Transfer Doc | 0000042941 |
| Record Updated | Sep 20, 2026 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Oct 22, 2025 |
| Property Address | 495 JOYCE DR, WATSONVILLE, CA 95076-3663 |
| Document Number | 0000022696 |
| Map Reference | MB 64 PG 47 |
| Instrument Date | Oct 21, 2025 |
| Instrument | 2025-0022696 |
| Transaction Type | Transfer |
| Record Updated | Nov 7, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 95 JOYCE DRIVE, WATSONVILLE, CA 95076 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Oct 22, 2025 |
| Property Address | 495 JOYCE DR, WATSONVILLE, CA 95076-3663 |
| Document Number | 0000022697 |
| Map Reference | MB 64 PG 47 |
| Instrument Date | Oct 21, 2025 |
| Instrument | 2025-0022697 |
| Transaction Type | Transfer |
| Record Updated | Nov 7, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 495 JOYCE DR, WATSONVILLE, CA 95076-3663 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 495 JOYCE DR, WATSONVILLE, CA 95076-3663 |
| Transaction Type | Mortgage |
| Record Updated | Apr 6, 2022 |
| Name | Verified Name |
|---|---|
| Address | 495 JOYCE DR, WATSONVILLE, CA 95076-3663 |
| Document Number | 0000009689 |
|---|---|
| Date | Mar 24, 2022 |
| Instrument | 2022-0009689 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 495 JOYCE DR, WATSONVILLE, CA 95076-3663 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 495 JOYCE DR, WATSONVILLE, CA 95076-3663 |
| Document Number | 0000034682 |
|---|---|
| Date | Sep 4, 2020 |
| Instrument | 2020-0034682 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 495 JOYCE DR, WATSONVILLE, CA 95076-3663 |
| Document Number | 0000036367 |
| Instrument Date | Nov 12, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 495 JOYCE DR WATSONVILLE CA 950763663, WATSONVILLE, CA 95076-3663 |
| Document Number | 0000036367 |
|---|---|
| Date | Nov 21, 2019 |
| Instrument | 36367 |
| Name | MR COOPER |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 20, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 495 JOYCE DR, WATSONVILLE, CA 95076-3663 |
| Document Number | 0000010151 |
| Instrument Date | Apr 1, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2018 |
| Title Company | TITLE 365 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 495 JOYCE DR WATSONVILLE CA 950763663, WATSONVILLE, CA 95076-3663 |
| Document Number | 0000010151 |
|---|---|
| Date | Apr 6, 2018 |
| Instrument | 10151 |
| Name | MR COOPER |
|---|---|
| Address | DALLAS, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 5, 2048 |
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Municipality | Watsonville City |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $221,418 (+2%) Land $91,410 Building $130,008 | ||
| 2025 | $2,953.00 (+14.9%) | $217,075 (+4.04%) Land $89,617 Building $127,458 | |
| 2023 | $2,570.00 (+1.82%) | $208,646 Land $86,137 Building $122,509 | $519,120 |
| 2022 | $2,524.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| 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 |
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 |
| 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.
Source: FCC Broadband Data Collection, based on 246 locations within half a mile, as of December 31, 2025
| 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 |
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