545 Oregon St, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 545 Oregon St, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,050 sqft · built 1934
Lot Size	0.125 acres (5,445 sqft)
Owner	2 Individual Names on Record
Last Sale	$185,000 (Sep 2017)
Tax Bill	$7,117 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`018-052-10`

Property Details

APN / Parcel Number

Primary APN	`018-052-10`
Alternative APN	`018-052-10-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,050 sqft Living Area
Gross Area	1,470 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1934
Effective Year Built	Effective 2005
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	5,445 sqft (0.125 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	545 OREGON ST
City	WATSONVILLE
State	CA
Zip	95076-4015
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	BREWINGTON ROGERS
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1008
Census Tract	110201

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	545 OREGON ST, WATSONVILLE, CA 95076-4015
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Sep 7, 2017	Quit Claim Deed, Transfer QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2017 · Amount on Record
Deed Sale	Sep 7, 2017 · Amount on Record
Prior Sale	Mar 18, 2016 · Amount on Record
Deed Document Number	201729743
Prior Transfer Date	Aug 8, 2017
Prior Transfer Doc	0000029743
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	545 OREGON ST, WATSONVILLE, CA 95076-4015
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 OREGON ST, WATSONVILLE, CA 95076-4015

Mortgage

Document Number	0000054602
Date	Dec 17, 2020
Instrument	2020-0054602

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

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

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 7, 2017
Property Address	545 OREGON ST, WATSONVILLE, CA 95076-4015
Document Number	0000029743
Instrument Date	Aug 8, 2017
Instrument	29743
Transaction Type	Transfer
Record Updated	Oct 16, 2017
Title Company	411 SPECIALIST

Transaction

Amount	Amount Recorded
Tax	$203.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	545 OREGON ST WATSONVILLE CA 950764015, WATSONVILLE, CA 95076-4015

Mortgage

Document Number	29744
Date	Sep 7, 2017
Instrument	29744

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 6, 2047

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		$570,281 (+2%) Land $342,168 Building $228,113
2025	$7,117.00 (+13.24%) Homeowner's exemption	$559,098 (+4.04%) Land $335,459 Building $223,639
2023	$6,285.00 (+1.8%) Homeowner's exemption	$537,389 Land $322,433 Building $214,956	$568,620
2022	$6,174.00

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 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 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 823 locations within half a mile, as of December 31, 2025

Provider	Max 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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