Santa Cruz County property record for 528 E Lake Ave, Watsonville, CA 95076
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,363 sqft · built 1908 |
| Lot Size | 0.142 acres (6,186 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $4,733 (2025) |
| Deeds & Mortgages | Sep 2021 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 017-061-07 |
| Primary APN | 017-061-07 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,363 sqft Living Area |
| Gross Area | 1,837 sqft |
| Year Built | Built 1908 |
|---|---|
| Effective Year Built | Effective 1908 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 6,186 sqft (0.142 acres) |
| Garage Type | Attached |
| Garage Area | 180 sqft |
| Total Buildings | 3 Buildings |
| Sewer | Municipal |
|---|---|
| Water Source | Commercial |
| Street Address | 528 E LAKE AVE |
|---|---|
| City | WATSONVILLE |
| State | CA |
| Zip | 95076-4427 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | WATSONVILLE |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 110102 |
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 | 528A E LAKE AVE, WATSONVILLE, CA 95076-4427 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jun 12, 1997 |
| Transfer Doc | 0000028280 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Sep 10, 2021 |
| Property Address | 528 E LAKE AVE, WATSONVILLE, CA 95076-4427 |
| Document Number | 0000046793 |
| Instrument Date | Aug 24, 2021 |
| Instrument | 2021-0046793 |
| Transaction Type | Transfer |
| Record Updated | Sep 23, 2021 |
| Title Company | FNC TITLE OF CALIFORNIA |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 528 E LAKE AVE # A, A, WATSONVILLE, CA 95076-4427 |
| Document Number | 0000046794 |
|---|---|
| Date | Sep 10, 2021 |
| Instrument | 2021-0046794 |
| Name | AMERICAN ADVISORS GROUP |
|---|---|
| Type | Mortgage Company |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 906 Months |
| Due | Mar 21, 2097 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.24% |
| Type Change Date | Oct 1, 2021 |
| Change Frequency | Monthly |
| Index | 1-Year CMT |
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Municipality | Watsonville City |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $368,221 (+2%) Land $182,580 Building $185,641 | ||
| 2025 | $4,733.00 (+13.8%) | $361,001 (+4.04%) Land $179,000 Building $182,001 | |
| 2023 | $4,159.00 (+1.81%) | $346,982 Land $172,049 Building $174,933 | $600,750 |
| 2022 | $4,085.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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 |
| 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.
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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