620 Ormsby Cutoff, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 620 Ormsby Cutoff, Watsonville, CA 95076

Property Summary

Property Type	Recreational Vacant Land
Details	3 bd · 2.5 ba · 2,449 sqft · built 2009
Lot Size	11.7 acres (513,398 sqft)
Owner	Individual Name on Record
Last Sale	$899,000 (Jul 2025)
Tax Bill	$9,730 (2025)
Deeds & Mortgages	Aug 2025 Transfer Jan 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`106-331-02`

Property Details

APN / Parcel Number

Primary APN	`106-331-02`
Alternative APN	`106-331-02-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	2,449 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Construction Type	Wood
Roof Material	Tile
Lot Area	513,398 sqft
Terrain	Steep
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	126 sqft
Patio Area	126 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	620 ORMSBY CUTOFF
City	WATSONVILLE
State	CA
Zip	95076-0113
Property Category	Public Works
Property Type	Public Works > Recreational Vacant Land
Local Zoning Code	SU
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SUMMIT ROAD
Census Block Group	2
Census Block	2029
Census Tract	121000

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	Individual Name on Record
Mailing Address	620 ORMSBY CUTOFF, WATSONVILLE, CA 95076-0113
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2025	Intrafamily Transfer, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY
Jan 31, 2023	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Dec 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
May 25, 2018	Affidavit of Death, Transfer CHICAGO TITLE COMPANY
May 25, 2018	Grant Deed, Transfer · FHA Mortgage SIERRA PACIFIC MORTGAGE CO INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2025 · Amount on Record
Deed Sale	Jul 31, 2025 · Amount on Record
Prior Sale	May 25, 2018 · Amount on Record
Deed Document Number	202515911
Prior Transfer Date	Jun 13, 2024
Prior Transfer Doc	0000014881
Record Updated	Sep 20, 2026

August 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 21, 2025
Property Address	620 ORMSBY CUTOFF, WATSONVILLE, CA 95076-0113
Document Number	0000017568
Instrument Date	Aug 15, 2025
Instrument	2025-0017568
Transaction Type	Transfer
Record Updated	Sep 26, 2025
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 ORSBY CUROFF, WATSONVILLE, CA 95076

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	620 ORMSBY CUTOFF, WATSONVILLE, CA 95076-0113
Transaction Type	Mortgage
Record Updated	Feb 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 ORMSBY CUTOFF, CORRALITOS, CA 95076-0113

Mortgage

Document Number	0000001662
Date	Jan 31, 2023
Instrument	2023-0001662

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	LIMA, OH 45801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	620 ORMSBY CUTOFF, WATSONVILLE, CA 95076-0113
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ADVANTAGE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 ORMSBY CUTOFF, WATSONVILLE, CA 95076-0113

Mortgage

Document Number	0000051828
Date	Dec 3, 2020
Instrument	2020-0051828

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

May 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SANTA CRUZ CA
Recording Date	May 25, 2018
Property Address	620 ORMSBY CUTOFF, WATSONVILLE, CA 95076-0113
Document Number	0000015994
Instrument Date	Apr 30, 2018
Instrument	15994
Transaction Type	Transfer
Record Updated	Jun 7, 2018
Title Company	CHICAGO TITLE COMPANY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	605 ORMSBY CUTOFF WATSONVILLE CA 950760114, WATSONVILLE, CA 95076-0114

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 25, 2018
Property Address	620 ORMSBY CUTOFF, WATSONVILLE, CA 95076-0113
Document Number	0000015995
Instrument Date	Apr 30, 2018
Instrument	2018-0015995
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	CHICAGO 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	620 ORMSBY CUTOFF, WATSONVILLE, CA 95076-0113

Mortgage

Document Number	0000015996
Date	May 25, 2018
Instrument	2018-0015996

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 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
Unified School District	Pajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$775,000 (+0.04%) Land $500,000 Building $275,000
2025	$9,730.00 (+7.72%)	$774,706 (+4.04%) Land $540,469 Building $234,237
2024	$9,033.00 (+1.72%)
2023	$8,880.00 (+2.02%) Homeowner's exemption	$744,624 Land $519,482 Building $225,142	$692,640
2022	$8,704.00

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
Nearby Flood Claims	4 (1995–2023)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 2 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	High above 84% of the US · above 64% of California
Wildfire Likelihood	0.8% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Razzolink Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100
Cruzio Fixed Wireless	100 / 100
Surfnet Communications Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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