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540 Oregon St, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 540 Oregon St, Watsonville, CA 95076

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,818 sqft · built 1956
Lot Size0.126 acres (5,489 sqft)
Owner2 Trust Names on Record
Last Sale$427,000 (Aug 2010)
Tax Bill$2,632 (2025)
Deeds & MortgagesDec 2020 Transfer
Dec 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN018-081-26

Property Details

APN / Parcel Number

Primary APN018-081-26
Alternative APN
  • 018-081-26-000

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Building Area1,818 sqft Living Area
Gross Area2,346 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1956
Effective Year BuiltEffective 1956
Construction TypeWood
Roof MaterialComposition Shingle
Lot Area5,489 sqft (0.126 acres)
Garage TypeAttached
Garage Area528 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address540 OREGON ST
CityWATSONVILLE
StateCA
Zip95076-4016
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal SubdivisionBREWINGTON-ROGERS 02
Legal Lot Number32
JurisdictionSANTA CRUZ CA
Township / Civil DivisionWATSONVILLE
Census Block Group1
Census Block1009
Census Tract110201

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 Record2 Trust Names on Record
Mailing Address540 OREGON ST, WATSONVILLE, CA 95076-4016
OccupancyOwner Occupied
Owner TypeIndividual
VestingTrust, Family Trust

Deeds, Mortgages & Sale History

DateDocument
Dec 11, 2020Quit Claim Deed, Transfer
OLD REPUBLIC TITLE
Dec 9, 2020Intrafamily Transfer, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 3, 2010 · Amount on Record
Deed SaleAug 3, 2010 · Amount on Record
Deed Document Number201029895
Last Transfer DateDec 4, 2020
Transfer Doc0000053500
Record UpdatedSep 20, 2026

December 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSANTA CRUZ CA
Recording DateDec 11, 2020
Property Address540 OREGON ST, WATSONVILLE, CA 95076-4016
Document Number0000053500
Instrument DateDec 4, 2020
Instrument53500
Transaction TypeTransfer
Record UpdatedDec 24, 2020
Title CompanyOLD REPUBLIC TITLE

Transaction

Tax$0.00
Amount AccuracyFull Value
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address540 OREGON ST WATSONVILLE CA 950764016, WATSONVILLE, CA 95076-4016

December 2020: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSANTA CRUZ CA
Recording DateDec 9, 2020
Property Address540 OREGON ST, WATSONVILLE, CA 95076-4016
Document Number0000053087
Map ReferenceMB 23 PG 28
Instrument DateDec 4, 2020
Instrument2020-0053087
Transaction TypeTransfer
Record UpdatedAug 17, 2021
Title CompanyOLD REPUBLIC TITLE COMPANY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property with Right of Survivorship
Address540 OREGON ST, WATSONVILLE, CA 95076-4016

Mortgage

Document Number0000053088
DateDec 9, 2020
Instrument2020-0053088
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2051

Tax Assessment & Valuation

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
MunicipalityWatsonville City
Unified School DistrictPajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$203,593 (+2%) Land $88,948 Building $114,645
2025$2,632.00 (+15.49%) Homeowner's exemption$199,601 (+4.04%) Land $87,204 Building $112,397
2023$2,279.00 (+1.88%) Homeowner's exemption$191,851 Land $83,818 Building $108,033$730,800
2022$2,237.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies1 in force

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 RiskNot 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 SystemCITY OF WATSONVILLE
serves 65,231 people · EPA ID CA4410011
Water SourceSurface water
Last State InspectionJul 2023
Lead1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 823 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL		5,000 / 5,000
Spectrum
Cable · Fiber in parts of the area		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
T-Mobile
Fixed Wireless		100 / 20

May also be available: GeoLinks.

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