618 Sand Dollar Ln, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 618 Sand Dollar Ln, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,037 sqft · built 1973
Lot Size	0.064 acres (2,788 sqft)
Owner	2 Trust Names on File
Last Sale	$1,600,000 (Feb 2020)
Tax Bill	$23,126 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`046-341-12`

Property Details

APN / Parcel Number

Primary APN	`046-341-12`
Alternative APN	`046-341-12-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	2,037 sqft Living Area
Gross Area	2,322 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 2001
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	2,788 sqft (0.064 acres)
Terrain	Steep
View / Lot	Ocean
Garage Type	Attached
Garage Area	285 sqft
Parking Spaces	1 Parking Space
Deck Area	175 sqft
Patio Area	175 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	618 SAND DOLLAR LN
City	WATSONVILLE
State	CA
Zip	95076-1829
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-4
Legal Subdivision	SAND DOLLAR BEACH
Legal Lot Number	43
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2002
Census Tract	122300

Owner

618 Sand Dollar Ln is held in a trust since February 2020.

Source: Santa Cruz County records, as of August 19, 2026

Owner of Record	2 Trust Names on File
Mailing Address	10 SARATOGA CT, ALAMO, CA 94507-2228
Owner Type	Individual
Vesting	Trust, Family Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST REPUBLIC BANK
Feb 14, 2020	Grant Deed, Transfer · ARM FREMONT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 14, 2020 · Amount on File
Deed Sale	Feb 14, 2020 · Amount on File
Deed Document Number	20205400
Prior Transfer Date	Mar 29, 1999
Prior Transfer Doc	0000024577
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	618 SAND DOLLAR LN, WATSONVILLE, CA 95076-1829
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 SARATOGA CT, ALAMO, CA 94507-2228

Mortgage

Document Number	0000000147
Date	Jan 4, 2021
Instrument	2021-0000147

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 14, 2020
Property Address	618 SAND DOLLAR LN, WATSONVILLE, CA 95076-1829
Document Number	0000005400
Map Reference	MB 50 PG 5
Instrument Date	Feb 1, 2020
Instrument	2020-0005400
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
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	Family Trust
Address	10 SARATOGA CT, ALAMO, CA 94507-2228

Mortgage

Document Number	0000005401
Date	Feb 14, 2020
Instrument	2020-0005401

Lender

Name	FREMONT BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Mar 1, 2025
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	8.75%
Index	1-Year LIBOR
Max Rate	8.75%

Tax Assessment & Valuation

The 2025 property tax bill for 618 Sand Dollar Ln was $23,126.

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

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Unified School District	Pajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,784,830 (+2%) Land $1,249,381 Building $535,449
2025	$23,126.00	$1,749,834 Land $1,224,884 Building $524,950
2023	$20,678.00 (+2.08%)	$1,681,886 Land $1,177,320 Building $504,566	$1,676,160
2022	$20,257.00

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

Flood

FEMA maps place 618 Sand Dollar Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 16 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	7 (1978–2010)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Apr 2010 · other causes

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

Wildfire risk around 618 Sand Dollar Ln is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 79% of California
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond 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	SOQUEL CREEK WATER DISTRICT serves 40,962 people · EPA ID CA4410017
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
Lead	2 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 93 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Razzolink Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Cruzio, Etheric Networks.

Cell Coverage

5G and 4G LTE (outdoors only)

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