604 Ester Way, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 604 Ester Way, Watsonville, CA 95076 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,236 sqft · built 1971
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$500,000 (Jan 2026)
Tax Bill	$5,332 (2025)
Deeds & Mortgages	May 2024 Mortgage Jan 2026 Mortgage + 7 more
Flood Zone	Zone AE (high risk)
APN	`017-352-17`

Property Details

APN / Parcel Number

Primary APN	`017-352-17`
Alternative APN	`017-352-17-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,236 sqft Living Area
Gross Area	1,580 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 2020
Architectural Style	Bungalow
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	344 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	604 ESTER WAY
City	WATSONVILLE
State	CA
Zip	95076-3514
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR 525
Legal Subdivision	BAY VILLAGE 02 TR 525
Legal Tract	525
Legal Lot Number	117
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2015
Census Tract	110102

Owner

Source: Santa Cruz County records · APN 017-352-17

Assessment roll updated August 19, 2026 · Last verified August 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 File
Mailing Address	5087 ARCHCREST WAY, SACRAMENTO, CA 95835-1618
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 28, 2024	Deed of Trust, Mortgage · Commercial Mortgage PLM LOAN MANAGEMENT SERVICES INC
Jan 21, 2026	Deed of Trust, Mortgage · Commercial Mortgage US FIRE INSURANCE CO
Jan 28, 2026	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Dec 26, 2025	Grant Deed, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
Nov 29, 2017	Grant Deed, Transfer FIRST AMERICAN TITLE
Nov 29, 2017	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Nov 29, 2017	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Nov 29, 2017	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Nov 29, 2017	Quit Claim Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 28, 2026 · Amount on Record
Deed Sale	Jan 28, 2026 · Amount on Record
Prior Sale	Nov 29, 2017 · Amount on Record
Deed Document Number	20261862
Prior Transfer Date	Nov 20, 2017
Prior Transfer Doc	0000040026
Record Updated	Sep 20, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	604 ESTER WAY, WATSONVILLE, CA 95076-3514
Transaction Type	Mortgage
Record Updated	Feb 11, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	835 CENTER STREET, WATSONVILLE, CA 95076

Mortgage

Document Number	0000009927
Date	May 28, 2024
Instrument	2024-0009927

Lender

Name	PLM LOAN MANAGEMENT SERVICES INC
Address	SAN JOSE, CA 95123

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	604 ESTER WAY, WATSONVILLE, CA 95076-3514
Transaction Type	Mortgage
Record Updated	Feb 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 ESTER WAY, WATSONVILLE, CA 95076-3514

Mortgage

Document Number	0000001358
Date	Jan 21, 2026
Instrument	2026-0001358

Lender

Name	US FIRE INSURANCE CO
Type	Insurance Company
Address	GREENVILLE, PA 16125

Agreement

Type	Commercial Mortgage

January 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 28, 2026
Property Address	604 ESTER WAY, WATSONVILLE, CA 95076-3514
Document Number	0000001862
Map Reference	MB 50 PG 55
Instrument Date	Jan 23, 2026
Instrument	2026-0001862
Transaction Type	Transfer
Record Updated	Feb 11, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5087 ARCHCREST WAY, SACRAMENTO, CA 95835-1618

Mortgage

Document Number	0000001863
Date	Jan 28, 2026
Instrument	2026-0001863

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2056

December 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 26, 2025
Property Address	604 ESTER WAY, WATSONVILLE, CA 95076-3514
Document Number	0000028557
Map Reference	MB 50 PG 55
Instrument Date	Dec 23, 2025
Instrument	2025-0028557
Transaction Type	Transfer
Record Updated	Jan 09, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 ESTER WAY, WATSONVILLE, CA 95076-3514

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 29, 2017
Property Address	604 ESTER WAY, WATSONVILLE, CA 95076-3514
Document Number	0000040029
Instrument Date	Nov 27, 2017
Instrument	40029
Transaction Type	Transfer
Record Updated	Jan 05, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$379.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	604 ESTER WAY WATSONVILLE CA 950763514, WATSONVILLE, CA 95076-3514

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 29, 2017
Property Address	604 ESTER WAY, WATSONVILLE, CA 95076-3514
Document Number	0000040030
Instrument Date	Nov 22, 2017
Instrument	40030
Transaction Type	Transfer
Record Updated	Jan 05, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	604 ESTER WAY WATSONVILLE CA 950763514, WATSONVILLE, CA 95076-3514

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 29, 2017
Property Address	604 ESTER WAY, WATSONVILLE, CA 95076-3514
Document Number	0000040028
Instrument Date	Nov 20, 2017
Instrument	40028
Transaction Type	Transfer
Record Updated	Jan 05, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	16031 N 52ND PL SCOTTSDALE AZ 852546302, SCOTTSDALE, AZ 85254-6302

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 29, 2017
Property Address	604 ESTER WAY, WATSONVILLE, CA 95076-3514
Document Number	0000040026
Instrument Date	Nov 20, 2017
Instrument	40026
Transaction Type	Transfer
Record Updated	Jan 05, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3541 GOLD STONE LN ROSAMOND CA 935606807, ROSAMOND, CA 93560-6807

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 29, 2017
Property Address	604 ESTER WAY, WATSONVILLE, CA 95076-3514
Document Number	0000040027
Instrument Date	Nov 20, 2017
Instrument	40027
Transaction Type	Transfer
Record Updated	Jan 05, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	10020 LARWIN AVE #2 CHATSWORTH CA 913117914, 2, CHATSWORTH, CA 91311-7914

Tax Assessment & Valuation

Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$433,598 (+10.46%) Land $286,854 Building $146,744
2025	$5,332.00 (+13.3%)	$392,551 (+4.04%) Land $274,786 Building $117,765
2023	$4,706.00 (+1.88%)	$377,308 Land $264,116 Building $113,192	$416,160
2022	$4,619.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060871101022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 115 individual NFIP policies nearby
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, tidal / storm surge, Severe Winter Storms And Mudslides
Claims By Storm	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 17 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 1,034 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Cruzio Internet	Fixed Wireless (unlicensed)	1,000 / 1,000
Razzolink	Fixed Wireless (unlicensed)	500 / 250
Verizon	Fixed Wireless	300 / 20
Etheric Communications, LLC.	Fixed Wireless (licensed-by-rule)	250 / 100
AT&T	DSL	100 / 20

May also be available at this address: AT&T, T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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