612 Ester Way, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 612 Ester Way, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 892 sqft · built 1971
Lot Size	0.071 acres (3,093 sqft)
Owner	2 Individual Names on Record
Last Sale	$420,000 (Sep 2018)
Tax Bill	$6,191 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`017-352-13`

Property Details

APN / Parcel Number

Primary APN	`017-352-13`
Alternative APN	`017-352-13-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	892 sqft Living Area
Gross Area	1,236 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	3,093 sqft (0.071 acres)
Garage Type	Attached
Garage Area	344 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	612 ESTER WAY
City	WATSONVILLE
State	CA
Zip	95076-3514
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TR 525
Legal Subdivision	BAY VILLAGE SUB #2 TR #525
Legal Tract	525
Legal Lot Number	113
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2015
Census Tract	110102

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	612 ESTER WAY, WATSONVILLE, CA 95076-3514
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2021	Deed of Trust, Mortgage · FHA Mortgage UNITED SECURITY FINANCIAL CORP
Jan 17, 2020	Deed of Trust, Mortgage · FHA Mortgage MR COOPER
Sep 21, 2018	Grant Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2018 · Amount on Record
Deed Sale	Sep 21, 2018 · Amount on Record
Prior Sale	Mar 20, 2015 · Amount on Record
Deed Document Number	201828873
Prior Transfer Date	Feb 13, 2004
Prior Transfer Doc	0000088567
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	612 ESTER WAY, WATSONVILLE, CA 95076-3514
Transaction Type	Mortgage
Record Updated	Jul 21, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	612 ESTER WAY, WATSONVILLE, CA 95076-3514

Mortgage

Document Number	0000036597
Date	Jul 8, 2021
Instrument	2021-0036597

Lender

Name	UNITED SECURITY FINANCIAL CORP
Type	Mortgage Company
Address	SALT LAKE CITY, UT 84121

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Jan 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	612 ESTER WAY, WATSONVILLE, CA 95076-3514
Document Number	0000002948
Instrument Date	Jan 17, 2020
Transaction Type	Mortgage
Record Updated	Feb 13, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	612 ESTER WAY WATSONVILLE CA 950763514, WATSONVILLE, CA 95076-3514

Mortgage

Document Number	0000002948
Date	Jan 27, 2020
Instrument	2948

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 26, 2050

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 21, 2018
Property Address	612 ESTER WAY, WATSONVILLE, CA 95076-3514
Document Number	0000028873
Map Reference	MB 50 PG 55
Instrument Date	Sep 19, 2018
Instrument	2018-0028873
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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
Address	612 ESTER WAY, WATSONVILLE, CA 95076-3514

Mortgage

Document Number	0000028874
Date	Sep 21, 2018
Instrument	2018-0028874

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

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		$477,890 (+2%) Land $286,734 Building $191,156
2025	$6,191.00 (+13.2%) Homeowner's exemption	$468,518 (+4.04%) Land $281,110 Building $187,408
2023	$5,469.00 (+1.88%) Homeowner's exemption	$450,324 Land $270,194 Building $180,130	$437,220
2022	$5,368.00

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 17 claims

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 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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