517 Cirvelo St, Watsonville, CA 95076 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,314 sqft · built 2004
Lot Size	0.074 acres (3,223 sqft)
Owner	2 Individual Names on File
Last Sale	$631,000 (Feb 2018)
Tax Bill	$9,687 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Feb 2018 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`017-751-05`

Property Details

APN / Parcel Number

Primary APN	`017-751-05`
Alternative APN	`017-751-05-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Building Area	2,314 sqft Living Area
Gross Area	2,730 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Wood
Roof Material	Tile
Lot Area	3,223 sqft (0.074 acres)
Garage Type	Attached
Garage Area	416 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	517 CIRVELO ST
City	WATSONVILLE
State	CA
Zip	95076-1081
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	VISTA MONTANA PH 02 TR 1445
Legal Lot Number	178
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1015
Census Tract	110101

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	517 CIRVELO ST, WATSONVILLE, CA 95076-1081
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Feb 20, 2018	Grant Deed, Transfer · VA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 20, 2018 · Amount on File
Deed Sale	Feb 20, 2018 · Amount on File
Prior Sale	Aug 16, 2012 · Amount on File
Deed Document Number	20185066
Prior Transfer Date	Jun 18, 2010
Prior Transfer Doc	0000025109
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	517 CIRVELO ST, WATSONVILLE, CA 95076-1081
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	517 CIRVELO ST, WATSONVILLE, CA 95076-1081

Mortgage

Document Number	0000039709
Date	Oct 2, 2020
Instrument	2020-0039709

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 20, 2018
Property Address	517 CIRVELO ST, WATSONVILLE, CA 95076-1081
Document Number	0000005066
Map Reference	DOC2004-0033309
Instrument Date	Feb 15, 2018
Instrument	2018-0005066
Transaction Type	Transfer
Record Updated	Aug 17, 2021
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
Relationship	Joint Tenants
Address	517 CIRVELO ST, WATSONVILLE, CA 95076-1081

Mortgage

Document Number	0000005067
Date	Feb 20, 2018
Instrument	2018-0005067

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2048

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		$732,330 (+2%) Land $366,165 Building $366,165
2025	$9,687.00 (+12.44%) Homeowner's exemption	$717,970 (+4.04%) Land $358,985 Building $358,985
2023	$8,615.00 (+1.99%) Homeowner's exemption	$690,090 Land $345,045 Building $345,045	$657,090
2022	$8,447.00

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 File 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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