55 Peppertree Ln, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 55 Peppertree Ln, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,991 sqft · built 1998
Lot Size	0.099 acres (4,312 sqft)
Owner	2 Individual Names on Record
Last Sale	$775,000 (Jun 2021)
Tax Bill	$10,607 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`016-411-26`

Property Details

APN / Parcel Number

Primary APN	`016-411-26`
Alternative APN	`016-411-26-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	1,991 sqft Living Area
Gross Area	2,427 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2010
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	4,312 sqft (0.099 acres)
Garage Type	Attached
Garage Area	436 sqft
Parking Spaces	2 Parking Spaces
Deck Area	255 sqft
Patio Area	255 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	55 PEPPERTREE LN
City	WATSONVILLE
State	CA
Zip	95076-6035
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	GREEN VLY HLNDS 02 PH 02
Legal Lot Number	20
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1004
Census Tract	110506

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	55 PEPPERTREE LN, WATSONVILLE, CA 95076-6035
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2021	Grant Deed, Transfer · Conventional Mortgage BAY FCU
Mar 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2021 · Amount on Record
Deed Sale	Jun 10, 2021 · Amount on Record
Prior Sale	Jul 22, 2008 · Amount on Record
Deed Document Number	202132248
Prior Transfer Date	Aug 19, 2003
Prior Transfer Doc	0000087419
Record Updated	Sep 20, 2026

June 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 10, 2021
Property Address	55 PEPPERTREE LN, WATSONVILLE, CA 95076-6035
Document Number	0000032248
Map Reference	VOL 95 PG 8
Instrument Date	May 28, 2021
Instrument	2021-0032248
Transaction Type	Transfer
Record Updated	Jun 23, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$852.50
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	55 PEPPERTREE LN, WATSONVILLE, CA 95076-6035

Mortgage

Document Number	0000032249
Date	Jun 10, 2021
Instrument	2021-0032249

Lender

Name	BAY FCU
Type	Credit Union

Agreement

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

Mortgage

Document Number	0000032250
Date	Jun 10, 2021
Instrument	2021-0032250

Lender

Name	BAY FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	55 PEPPERTREE LN, WATSONVILLE, CA 95076-6035
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010347
Date	Mar 28, 2017
Instrument	2017-0010347

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 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		$855,663 (+2%) Land $556,181 Building $299,482
2025	$10,607.00 (+11.11%) Homeowner's exemption	$838,885 (+4.04%) Land $545,275 Building $293,610
2024	$9,546.00 (+1.53%)
2023	$9,402.00 (+1.78%) Homeowner's exemption	$806,311 Land $524,102 Building $282,209	$778,410
2022	$9,238.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 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 565 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
Etheric Networks Fixed Wireless	250 / 100
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile, Verizon.

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