505 Joyce Dr, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 505 Joyce Dr, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,064 sqft · built 1987
Lot Size	0.087 acres (3,790 sqft)
Owner	2 Company Names on Record
Tax Bill	$3,493 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Nov 2021 Mortgage + 8 more
Flood Zone	Zone AH (high risk)
APN	`017-456-19`

Property Details

APN / Parcel Number

Primary APN	`017-456-19`
Alternative APN	`017-456-19-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,064 sqft Living Area
Gross Area	1,460 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	3,790 sqft (0.087 acres)
Garage Type	Attached
Garage Area	396 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	505 JOYCE DR
City	WATSONVILLE
State	CA
Zip	95076-3569
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR 718
Legal Subdivision	BAY VILLAGE SUB #5 TR #718
Legal Tract	718
Legal Lot Number	475
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1018
Census Tract	110101

Owner

Source: Santa Cruz County records, as of August 24, 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 Record
Mailing Address	505 JOYCE DR, WATSONVILLE, CA 95076-3569
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2022	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Nov 18, 2021	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Oct 6, 2021	Intrafamily Transfer, Transfer · VA Mortgage LOANDEPOT.COM LLC
Dec 27, 2018	Deed of Trust, Mortgage · VA Mortgage SUN WEST MORTGAGE COMPANY INC
Jan 8, 2021	Intrafamily Transfer, Transfer · VA Mortgage QUICKEN LOANS LLC
Jan 8, 2021	Quit Claim Deed, Transfer AMROCK INC
Sep 26, 2019	Intrafamily Transfer, Transfer · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Sep 26, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Jun 6, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Oct 16, 2017	Deed of Trust, Mortgage · VA Mortgage PACIFIC HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2021
Deed Sale	Oct 6, 2021
Prior Sale	Jan 8, 2021
Deed Document Number	202150586
Transfer Doc	0000050585
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	505 JOYCE DR, WATSONVILLE, CA 95076-3569
Transaction Type	Mortgage
Record Updated	Sep 21, 2022
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	506 JOYCE DR, WATSONVILLE, CA 95076-3554

Mortgage

Document Number	0000025243
Date	Sep 7, 2022
Instrument	2022-0025243

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60639

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	505 JOYCE DR, WATSONVILLE, CA 95076-3569
Transaction Type	Mortgage
Record Updated	Dec 2, 2021
Title Company	PACIFIC COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	505 JOYCE DR, WATSONVILLE, CA 95076-3569

Mortgage

Document Number	0000056943
Date	Nov 18, 2021
Instrument	2021-0056943

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Sep 1, 2051

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Oct 6, 2021
Property Address	505 JOYCE DR, WATSONVILLE, CA 95076-3569
Document Number	0000050586
Map Reference	MB 62 PG 55
Instrument Date	Aug 17, 2021
Instrument	2021-0050586
Transaction Type	Transfer
Record Updated	Oct 21, 2021
Title Company	ACCOMODATION, ACCOMMODATION

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

Mortgage

Document Number	0000050587
Date	Oct 6, 2021
Instrument	2021-0050587

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2051

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	505 JOYCE DR, WATSONVILLE, CA 95076-3569
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038565
Date	Dec 27, 2018
Instrument	2018-0038565

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	WATSONVILLE, CA 95076

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 8, 2021
Property Address	505 JOYCE DR, WATSONVILLE, CA 95076-3569
Document Number	0000001226
Map Reference	MB 62 PG 55
Instrument Date	Jun 30, 2020
Instrument	2021-0001226
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	AMROCK INC

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	Joint Tenants
Address	505 JOYCE DR, WATSONVILLE, CA 95076-3569

Mortgage

Document Number	0000001227
Date	Jan 8, 2021
Instrument	2021-0001227

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Jul 1, 2050

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 8, 2021
Property Address	505 JOYCE DR, WATSONVILLE, CA 95076-3569
Document Number	0000001228
Instrument Date	Jun 30, 2020
Instrument	1228
Transaction Type	Transfer
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	505 JOYCE DR WATSONVILLE CA 950763569, WATSONVILLE, CA 95076-3569

September 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 26, 2019
Property Address	505 JOYCE DR, WATSONVILLE, CA 95076-3569
Document Number	0000029159
Map Reference	MB 62 PG 55
Instrument Date	Sep 20, 2019
Instrument	2019-0029159
Transaction Type	Transfer
Record Updated	Aug 17, 2021
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
Relationship	Joint Tenants
Address	505 JOYCE DR, WATSONVILLE, CA 95076-3569

Mortgage

Document Number	0000029160
Date	Sep 26, 2019
Instrument	2019-0029160

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 26, 2019
Property Address	505 JOYCE DR, WATSONVILLE, CA 95076-3569
Document Number	0000029161
Instrument Date	Sep 20, 2019
Instrument	29161
Transaction Type	Transfer
Record Updated	Oct 9, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	505 JOYCE DR WATSONVILLE CA 950763569, WATSONVILLE, CA 95076-3569

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 6, 2019
Property Address	505 JOYCE DR, WATSONVILLE, CA 95076-3569
Document Number	0000015381
Instrument Date	Jun 5, 2019
Instrument	15381
Transaction Type	Transfer
Record Updated	Jun 20, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	505 JOYCE DR WATSONVILLE CA 950763569, WATSONVILLE, CA 95076-3569

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	505 JOYCE DR, WATSONVILLE, CA 95076-3569
Document Number	0000035534
Instrument Date	Oct 16, 2017
Transaction Type	Mortgage
Record Updated	Nov 28, 2017
Title Company	NEXTITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	505 JOYCE DR WATSONVILLE CA 950763569, WATSONVILLE, CA 95076-3569

Mortgage

Document Number	0000035534
Date	Oct 23, 2017
Instrument	35534

Lender

Name	PACIFIC HM LNS
Type	Funding / Finance Company
Address	IRVINE, CA 92612

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 22, 2047

Tax Assessment & Valuation

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		$445,599 (+2%) Land $311,919 Building $133,680
2025	$3,493.00 (+11.88%)	$436,862 (+4.04%) Land $305,803 Building $131,059
2024	$3,122.00 (-0.45%)
2023	$3,136.00 (-1.17%) Disabled Person's exemption Veteran's exemption	$419,898 Land $293,928 Building $125,970	$522,000
2022	$3,173.00

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

Flood

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	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

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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