512 E Lake Ave, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 512 E Lake Ave, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,160 sqft · built 1920
Lot Size	0.148 acres (6,447 sqft)
Owner	Individual Name on Record
Tax Bill	$822 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`017-061-03`

Property Details

APN / Parcel Number

Primary APN	`017-061-03`
Alternative APN	`017-061-03-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Building Area	1,160 sqft Living Area
Gross Area	1,416 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	6,447 sqft (0.148 acres)
Garage Type	Attached
Garage Area	256 sqft
Parking Spaces	1 Parking Space
Deck Area	102 sqft
Patio Area	102 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	514 E LAKE AVE
City	WATSONVILLE
State	CA
Zip	95076-4427
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2016
Census Tract	110102

Owner

Source: Santa Cruz County records, 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	Individual Name on Record
Mailing Address	514 E LAKE AVE, WATSONVILLE, CA 95076-4427
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage NETWORK CAPITAL FUNDING CORP
Jul 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage NETWORK CAPITAL FUNDING CORP
Sep 20, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 8, 2021
Transfer Doc	0000001887
Record Updated	Sep 20, 2026

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 20, 2022
Property Address	514 E LAKE AVE, WATSONVILLE, CA 95076-4427
Document Number	0000001887
Instrument Date	Sep 8, 2021
Instrument	2022-0001887
Transaction Type	Transfer
Record Updated	Feb 2, 2022
Title Company	UNISOURCE

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
Address	514 E LAKE AVE, WATSONVILLE, CA 95076-4427

Mortgage

Document Number	0000001888
Date	Jan 20, 2022
Instrument	2022-0001888

Lender

Name	NETWORK CAPITAL FUNDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	177 Months
Due	Oct 1, 2036

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	514 E LAKE AVE, WATSONVILLE, CA 95076-4427
Transaction Type	Mortgage
Record Updated	Jul 21, 2021
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 E LAKE AVE, WATSONVILLE, CA 95076-4427

Mortgage

Document Number	0000036539
Date	Jul 8, 2021
Instrument	2021-0036539

Lender

Name	NETWORK CAPITAL FUNDING CORP
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	178 Months
Due	May 1, 2036

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 20, 2017
Property Address	514 E LAKE AVE, WATSONVILLE, CA 95076-4427
Document Number	0000031478
Instrument Date	Sep 15, 2017
Instrument	31478
Transaction Type	Transfer
Record Updated	Oct 16, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	129 JOHNSON RD ROYAL OAKS CA 950765723, ROYAL OAKS, CA 95076-5723

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		$55,576 (+2%) Land $24,614 Building $30,962
2025	$822.00 (+24.17%) Homeowner's exemption	$54,486 (+4.04%) Land $24,131 Building $30,355
2023	$662.00 (+2.32%) Homeowner's exemption	$52,370 Land $23,194 Building $29,176	$554,490
2022	$647.00

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 115 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	115 in force
Nearby Flood Claims	19 (2022–2023)
Most Recent Claim	Mar 2023 · Severe Winter Storms And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 17 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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