517 Cereze St, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 517 Cereze St, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,449 sqft · built 2004
Lot Size	0.059 acres (2,570 sqft)
Owner	2 Individual Names on Record
Last Sale	$600,000 (Jun 2019)
Tax Bill	$9,080 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`017-753-05`

Property Details

APN / Parcel Number

Primary APN	`017-753-05`
Alternative APN	`017-753-05-000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,449 sqft Living Area
Gross Area	1,891 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Wood
Roof Material	Tile
Lot Area	2,570 sqft (0.059 acres)
Garage Type	Attached
Garage Area	442 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	517 CEREZE ST
City	WATSONVILLE
State	CA
Zip	95076-1083
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	VISTA MONTANA PH 4 TR 1445
Legal Lot Number	218
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1017
Census Tract	110101

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	2 Individual Names on Record
Mailing Address	517 CEREZE ST, WATSONVILLE, CA 95076-1083
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2021	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Jun 6, 2019	Grant Deed, Transfer · FHA Mortgage OPES ADVISORS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2019 · Amount on Record
Deed Sale	Jun 6, 2019 · Amount on Record
Prior Sale	Dec 23, 2014 · Amount on Record
Deed Document Number	201915470
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	517 CEREZE ST, WATSONVILLE, CA 95076-1083
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	517 CEREZE ST, WATSONVILLE, CA 95076-1083

Mortgage

Document Number	0000001806
Date	Jan 12, 2021
Instrument	2021-0001806

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 6, 2019
Property Address	517 CEREZE ST, WATSONVILLE, CA 95076-1083
Document Number	0000015470
Instrument Date	Jun 3, 2019
Instrument	15470
Transaction Type	Transfer
Record Updated	Jun 20, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$660.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	517 CEREZE ST WATSONVILLE CA 950761083, WATSONVILLE, CA 95076-1083

Mortgage

Document Number	15471
Date	Jun 6, 2019
Instrument	15471

Lender

Name	OPES ADVISORS
Address	TROY, MI 48098

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 5, 2049

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		$682,698 (+2%) Land $409,619 Building $273,079
2025	$9,080.00 (+12.47%) Homeowner's exemption	$669,312 (+4.04%) Land $401,587 Building $267,725
2023	$8,073.00 (+2%) Homeowner's exemption	$643,322 Land $385,993 Building $257,329	$588,060
2022	$7,915.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AH, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 304 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
Etheric Networks Fixed Wireless	250 / 100
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, Verizon, Xfinity.

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