526 McKenzie Ave, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 526 McKenzie Ave, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 909 sqft · built 1928
Lot Size	0.101 acres (4,400 sqft)
Owner	Individual Name on File
Last Sale	$698,000 (Oct 2024)
Tax Bill	$9,145 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Mar 2020 Mortgage + 4 more
Flood Zone	Zone X (moderate risk)
APN	`017-152-06`

Property Details

APN / Parcel Number

Primary APN	`017-152-06`
Alternative APN	`017-152-06-000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Building Area	909 sqft Living Area

Exterior

Year Built	Built 1928
Effective Year Built	Effective 2018
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	4,400 sqft (0.101 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	526 MCKENZIE AVE
City	WATSONVILLE
State	CA
Zip	95076-4419
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	MCKENZIE
Legal Lot Number	6
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2007
Census Tract	110102

Owner

526 McKenzie Ave is owned and occupied by an individual who bought it in October 2024.

Source: Santa Cruz County records, as of August 24, 2026

Owner of Record	Individual Name on File
Mailing Address	526 MCKENZIE AVE, WATSONVILLE, CA 95076-4419
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Surviving Spouse

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

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2022	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC
Dec 23, 2020	Correction Deed, Transfer OLD REPUBLIC TITLE
Dec 16, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 22, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jan 24, 2019	Grant Deed, Transfer · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2024 · Amount on File
Deed Sale	Oct 2, 2024 · Amount on File
Prior Sale	Sep 12, 2022 · Amount on File
Deed Document Number	202419279
Prior Transfer Date	Oct 1, 2024
Prior Transfer Doc	0000019280
Record Updated	Oct 29, 2026

September 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 12, 2022
Property Address	526 MCKENZIE AVE, WATSONVILLE, CA 95076-4419
Document Number	0000025545
Instrument Date	Aug 26, 2022
Instrument	2022-0025545
Transaction Type	Transfer
Record Updated	Sep 29, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$729.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	526 MCKENZIE AVE, WATSONVILLE, CA 95076-4419

Mortgage

Document Number	0000025546
Date	Sep 12, 2022
Instrument	2022-0025546

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	526 MCKENZIE AVE, WATSONVILLE, CA 95076-4419
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010845
Date	Mar 30, 2020
Instrument	2020-0010845

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

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

December 2020: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 23, 2020
Property Address	526 MCKENZIE AVE, WATSONVILLE, CA 95076-4419
Document Number	0000056133
Instrument Date	Dec 4, 2020
Instrument	56133
Transaction Type	Transfer
Record Updated	May 11, 2021
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	526 MCKENZIE AVE WATSONVILLE CA 950764419, WATSONVILLE, CA 95076-4419

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 16, 2020
Property Address	526 MCKENZIE AVE, WATSONVILLE, CA 95076-4419
Document Number	0000054416
Instrument Date	Dec 4, 2020
Instrument	2020-0054416
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	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	Community Property with Right of Survivorship
Address	526 MCKENZIE AVE, WATSONVILLE, CA 95076-4419

Mortgage

Document Number	0000054417
Date	Dec 16, 2020
Instrument	2020-0054417

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 22, 2020
Property Address	526 MCKENZIE AVE, WATSONVILLE, CA 95076-4419
Document Number	0000017665
Instrument Date	Dec 2, 2019
Instrument	17665
Transaction Type	Transfer
Record Updated	Jun 8, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	526 MCKENZIE AVE WATSONVILLE CA 950764419, WATSONVILLE, CA 95076-4419

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 24, 2019
Property Address	526 MCKENZIE AVE, WATSONVILLE, CA 95076-4419
Document Number	0000001860
Instrument Date	Jan 18, 2019
Instrument	2019-0001860
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	Community Property with Right of Survivorship
Address	526 MCKENZIE AVE, WATSONVILLE, CA 95076-4419

Mortgage

Document Number	0000001861
Date	Jan 24, 2019
Instrument	2019-0001861

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 526 McKenzie Ave was $9,145.

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		$711,960 (+2%) Land $498,372 Building $213,588
2025	$9,145.00	$698,000 Land $488,600 Building $209,400
2023	$8,020.00 (+43.42%)	$663,000 Land $397,800 Building $265,200	$581,580
2022	$5,592.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 526 McKenzie Ave in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

The area around 526 McKenzie Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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 427 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Etheric Networks, T-Mobile.

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