520 E Lake Ave, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 520 E Lake Ave, Watsonville, CA 95076

Property Summary

Property Type	Medical Building
Details	1,462 sqft · built 1978
Lot Size	0.147 acres (6,403 sqft)
Owner	2 Individual Names on Record
Last Sale	$429,000 (May 2017)
Tax Bill	$6,451 (2025)
Deeds & Mortgages	Jul 2023 Transfer May 2017 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`017-061-05`

Property Details

APN / Parcel Number

Primary APN	`017-061-05`
Alternative APN	`017-061-05-000`

Interior

Stories	1 Story
Building Area	1,462 sqft Gross Area
1st Floor Area	1,462 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	6,403 sqft (0.147 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	520 E LAKE AVE
City	WATSONVILLE
State	CA
Zip	95076-4427
Property Category	Commercial
Property Type	Commercial > Office > Medical Building
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2016
Census Tract	110102

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	1245 PAJARO HILLS DR, ROYAL OAKS, CA 95076-9357
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2023	Intrafamily Transfer, Transfer
May 4, 2017	Grant Deed, Transfer · Commercial Mortgage SANTA CRUZ COUNTY BANK
May 4, 2017	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
May 4, 2017	Affidavit of Death, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2017 · Amount on Record
Deed Sale	May 4, 2017 · Amount on Record
Deed Document Number	201714871
Last Transfer Date	Jul 12, 2023
Transfer Doc	0000013853
Record Updated	Sep 20, 2026

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 27, 2023
Property Address	520 E LAKE AVE, WATSONVILLE, CA 95076-4427
Document Number	0000013853
Instrument Date	Jul 12, 2023
Instrument	2023-0013853
Transaction Type	Transfer
Record Updated	Aug 9, 2023

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	Family Trust
Address	1245 PAJARO HILLS DR, ROYAL OAKS, CA 95076-9357

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 4, 2017
Property Address	520 E LAKE AVE, WATSONVILLE, CA 95076-4427
Document Number	0000014871
Instrument Date	May 3, 2017
Instrument	2017-0014871
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	1245 PAJARO HILLS DR, ROYAL OAKS, CA 95076-9357
Investor	Possibly a Property Investor

Mortgage

Document Number	0000014872
Date	May 4, 2017
Instrument	2017-0014872

Lender

Name	SANTA CRUZ COUNTY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 4, 2017
Property Address	520 E LAKE AVE, WATSONVILLE, CA 95076-4427
Document Number	0000014870
Instrument Date	May 3, 2017
Instrument	14870
Transaction Type	Transfer
Record Updated	May 16, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	175 MOUNT MADONNA RD WATSONVILLE CA 950769729, WATSONVILLE, CA 95076-9729

May 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SANTA CRUZ CA
Recording Date	May 4, 2017
Property Address	520 E LAKE AVE, WATSONVILLE, CA 95076-4427
Document Number	0000014869
Instrument Date	Apr 21, 2017
Instrument	14869
Transaction Type	Transfer
Record Updated	May 16, 2017
Title Company	FIRST AMERICAN TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	175 MOUNT MADONNA RD WATSONVILLE CA 950769729, WATSONVILLE, CA 95076-9729

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
2026		$507,850 (+2%) Land $271,090 Building $236,760
2025	$6,451.00 (+13.33%)	$497,891 (+4.04%) Land $265,774 Building $232,117
2023	$5,692.00 (+1.79%)	$478,558 (+2%) Land $255,454 Building $223,104
2022	$5,592.00	$469,174 Land $250,445 Building $218,729

Assessed value is set for property tax purposes and is not a market price estimate.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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 1,034 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
Etheric Networks Fixed Wireless	250 / 100
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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