518 Cereze St, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 518 Cereze St, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,783 sqft · built 2004
Lot Size	0.074 acres (3,223 sqft)
Owner	Individual Name on Record
Last Sale	$835,000 (Jul 2021)
Tax Bill	$11,872 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`017-751-51`

Property Details

APN / Parcel Number

Primary APN	`017-751-51`
Alternative APN	`017-751-51-000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	2,783 sqft Living Area
Gross Area	3,225 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2010
Construction Type	Wood
Roof Material	Tile
Lot Area	3,223 sqft (0.074 acres)
Garage Type	Attached
Garage Area	442 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	518 CEREZE ST
City	WATSONVILLE
State	CA
Zip	95076-1082
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	VISTA MONTANA PH 4 TR 1445
Legal Lot Number	211
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	518 CEREZE ST, WATSONVILLE, CA 95076-1082
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2021	Grant Deed, Transfer · FHA Mortgage ENVOY MORTGAGE LTD
Apr 29, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
May 2, 2017	Deed of Trust, Mortgage · Commercial Mortgage MONTEREY COUNTY BANK
Jul 8, 2020	Deed of Trust, Mortgage · VA Mortgage FLAGSTAR BANK FSB
Apr 4, 2018	Grant Deed, Transfer · VA Mortgage OPES ADVISORS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 2021 · Amount on Record
Deed Sale	Jul 30, 2021 · Amount on Record
Prior Sale	Apr 4, 2018 · Amount on Record
Deed Document Number	202140288
Prior Transfer Date	Dec 11, 2015
Prior Transfer Doc	0000050324
Record Updated	Sep 20, 2026

July 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 30, 2021
Property Address	518 CEREZE ST, WATSONVILLE, CA 95076-1082
Document Number	0000040288
Map Reference	VOL 105 PG 32
Instrument Date	Jul 27, 2021
Instrument	2021-0040288
Transaction Type	Transfer
Record Updated	Aug 11, 2021
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$918.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 CEREZE ST, WATSONVILLE, CA 95076-1082

Mortgage

Document Number	0000040289
Date	Jul 30, 2021
Instrument	2021-0040289

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

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

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	518 CEREZE ST, WATSONVILLE, CA 95076-1082
Transaction Type	Mortgage
Record Updated	May 12, 2021
Title Company	TITLE CONNECTION, TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 CEREZE ST, WATSONVILLE, CA 95076-1082

Mortgage

Document Number	0000024529
Date	Apr 29, 2021
Instrument	2021-0024529

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	518 CEREZE ST, WATSONVILLE, CA 95076-1082
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014595
Date	May 2, 2017
Instrument	2017-0014595

Lender

Name	MONTEREY COUNTY BANK
Type	Bank
Address	MONTEREY, CA 93940

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	518 CEREZE ST, WATSONVILLE, CA 95076-1082
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024676
Date	Jul 8, 2020
Instrument	2020-0024676

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Apr 4, 2018
Property Address	518 CEREZE ST, WATSONVILLE, CA 95076-1082
Document Number	0000009921
Instrument Date	Mar 27, 2018
Instrument	9921
Transaction Type	Transfer
Record Updated	Apr 19, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$741.40
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	518 CEREZE ST WATSONVILLE CA 950761082, WATSONVILLE, CA 95076-1082

Mortgage

Document Number	9922
Date	Apr 4, 2018
Instrument	9922

Lender

Name	OPES ADVISORS
Address	TROY, MI 48098

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 3, 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		$903,831 (+2%) Land $497,107 Building $406,724
2025	$11,872.00 (+12.32%)	$886,109 (+4.04%) Land $487,360 Building $398,749
2023	$10,570.00 (+1.93%)	$851,700 Land $468,435 Building $383,265	$779,400
2022	$10,370.00

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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