518 Cirvelo St, Watsonville, CA 95076 Property Records

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

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,521 sqft · built 2004
Lot Size	0.075 acres (3,267 sqft)
Owner	2 Individual Names on File
Last Sale	$566,500 (Oct 2004)
Tax Bill	$10,579 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Jan 2018 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`017-752-19`

Property Details

APN / Parcel Number

Primary APN	`017-752-19`
Alternative APN	`017-752-19-000`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	2,521 sqft Living Area
Gross Area	2,927 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Wood
Roof Material	Tile
Lot Area	3,267 sqft (0.075 acres)
Garage Type	Attached
Garage Area	406 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	518 CIRVELO ST
City	WATSONVILLE
State	CA
Zip	95076-1080
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	1445 PH 02
Legal Lot Number	171
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1016
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	518 CIRVELO ST, WATSONVILLE, CA 95076-1080
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2022	Intrafamily Transfer, Transfer · Line of Credit BAY FCU
Jan 30, 2018	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 7, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2004 · Amount on File
Deed Sale	Oct 19, 2004 · Amount on File
Deed Document Number	200474385
Last Transfer Date	Nov 8, 2022
Transfer Doc	0000030900
Record Updated	Sep 20, 2026

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 17, 2022
Property Address	518 CIRVELO ST, WATSONVILLE, CA 95076-1080
Document Number	0000030900
Map Reference	VOL 103 PG 36
Instrument Date	Nov 8, 2022
Instrument	2022-0030900
Transaction Type	Transfer
Record Updated	Dec 1, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

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
Relationship	Joint Tenants
Address	518 CIRVELO ST, WATSONVILLE, CA 95076-1080

Mortgage

Document Number	0000030901
Date	Nov 17, 2022
Instrument	2022-0030901

Lender

Name	BAY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	302 Months
Due	Jan 15, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	518 CIRVELO ST, WATSONVILLE, CA 95076-1080
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE 365 CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002869
Date	Jan 30, 2018
Instrument	2018-0002869

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	518 CIRVELO ST, WATSONVILLE, CA 95076-1080
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 CIRVELO ST, WATSONVILLE, CA 95076-1080

Mortgage

Document Number	0000044507
Date	Oct 28, 2020
Instrument	2020-0044507

Lender

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

Agreement

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

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	518 CIRVELO ST, WATSONVILLE, CA 95076-1080
Document Number	0000039778
Instrument Date	Dec 7, 2019
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	TITLE365 - OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 CIRVELO ST WATSONVILLE CA 950761080, WATSONVILLE, CA 95076-1080

Mortgage

Document Number	0000039778
Date	Dec 17, 2019
Instrument	39778

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

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		$805,295 (+2%) Land $483,176 Building $322,119
2025	$10,579.00 (+12.4%) Homeowner's exemption	$789,505 (+4.04%) Land $473,702 Building $315,803
2023	$9,412.00 (+1.96%) Homeowner's exemption	$758,848 Land $455,308 Building $303,540	$725,040
2022	$9,231.00

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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