513 McKenzie Ave, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 513 McKenzie Ave, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,506 sqft · built 1948
Lot Size	0.105 acres (4,574 sqft)
Owner	Individual Name on File
Last Sale	$375,000 (May 2017)
Tax Bill	$3,588 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Feb 2020 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`017-151-15`

Property Details

APN / Parcel Number

Primary APN	`017-151-15`
Alternative APN	`017-151-15-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	1,506 sqft Living Area
Gross Area	1,794 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Construction Type	Wood
Roof Material	Other
Lot Area	4,574 sqft (0.105 acres)
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	513 MCKENZIE AVE
City	WATSONVILLE
State	CA
Zip	95076-4418
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	THE MCKENZIE
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2019
Census Tract	110102

Owner

513 McKenzie Ave is owned and occupied by an individual who bought it in May 2017.

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

Owner of Record	Individual Name on File
Mailing Address	513 MCKENZIE AVE, WATSONVILLE, CA 95076-4418
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 11, 2022	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Feb 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 4, 2018	Deed of Trust, Mortgage · Conventional with PMI BANK OF AMERICA
May 19, 2017	Grant Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 19, 2017 · Amount on File
Deed Sale	May 19, 2017 · Amount on File
Prior Sale	Oct 25, 1996 · Amount on File
Deed Document Number	201716512
Prior Transfer Date	May 12, 2017
Prior Transfer Doc	0000016512
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	513 MCKENZIE AVE, WATSONVILLE, CA 95076-4418
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	513 MCKENZIE AVE, WATSONVILLE, CA 95076-4418

Mortgage

Document Number	0000020223
Date	Jul 11, 2022
Instrument	2022-0020223

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	513 MCKENZIE AVE, WATSONVILLE, CA 95076-4418
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005335
Date	Feb 14, 2020
Instrument	2020-0005335

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	513 MCKENZIE AVE, WATSONVILLE, CA 95076-4418
Document Number	0000024708
Instrument Date	Aug 4, 2018
Transaction Type	Mortgage
Record Updated	Aug 29, 2018
Title Company	LANDSAFE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	513 MCKENZIE AVE WATSONVILLE CA 950764418, WATSONVILLE, CA 95076-4418

Mortgage

Document Number	0000024708
Date	Aug 14, 2018
Instrument	24708

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 13, 2048

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 19, 2017
Property Address	513 MCKENZIE AVE, WATSONVILLE, CA 95076-4418
Document Number	0000016512
Instrument Date	May 12, 2017
Instrument	2017-0016512
Transaction Type	Transfer
Record Updated	Jul 25, 2022
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	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	513 MCKENZIE AVE, WATSONVILLE, CA 95076-4418

Mortgage

Document Number	0000016513
Date	May 19, 2017
Instrument	2017-0016513

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 513 McKenzie Ave was $3,588.

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		$256,010 (+2%) Land $157,825 Building $98,185
2025	$3,588.00	$250,990 Land $154,730 Building $96,260
2023	$3,149.00 (+1.98%)	$241,244 Land $148,722 Building $92,522	$487,080
2022	$3,088.00

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

Flood

FEMA maps place 513 McKenzie Ave in Zone X, an area of moderate flood risk, though there have been 19 flood claims nearby since 2022.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

The area around 513 McKenzie Ave 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 427 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Etheric Networks, T-Mobile.

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