640 Heather Dr, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 640 Heather Dr, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,005 sqft · built 1975
Lot Size	0.073 acres (3,180 sqft)
Owner	Individual Name on File
Last Sale	$550,000 (Feb 2024)
Tax Bill	$7,370 (2025)
Deeds & Mortgages	Feb 2024 Sale Sep 2020 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`017-406-18`

Property Details

APN / Parcel Number

Primary APN	`017-406-18`
Alternative APN	`017-406-18-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	1,005 sqft Living Area
Gross Area	1,360 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 2000
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	3,180 sqft (0.073 acres)
Garage Type	Attached
Garage Area	355 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	640 HEATHER DR
City	WATSONVILLE
State	CA
Zip	95076-3628
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR 616
Legal Subdivision	HEATHERWOOD SUB #1 TR #616
Legal Tract	616
Legal Lot Number	56
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2006
Census Tract	110102

Owner

640 Heather Dr is owned and occupied by an individual who bought it in February 2024.

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

Owner of Record	Individual Name on File
Mailing Address	640 HEATHER DR, WATSONVILLE, CA 95076-3628
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 9, 2024	Grant Deed, Transfer CORNERSTONE TITLE COMPANY
Sep 11, 2020	Grant Deed, Transfer · Conventional Mortgage BAY FCU
Mar 30, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 9, 2024 · Amount on File
Deed Sale	Feb 9, 2024 · Amount on File
Prior Sale	Sep 11, 2020 · Amount on File
Deed Document Number	20242546
Prior Transfer Date	Mar 28, 2017
Prior Transfer Doc	0000010777
Record Updated	Sep 20, 2026

February 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 9, 2024
Property Address	640 HEATHER DR, WATSONVILLE, CA 95076-3628
Document Number	0000002546
Map Reference	MB 57 PG 35
Instrument Date	Feb 5, 2024
Instrument	2024-0002546
Transaction Type	Transfer
Record Updated	Mar 11, 2024
Title Company	CORNERSTONE TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$605.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 HEATHER DR, WATSONVILLE, CA 95076-3628

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 11, 2020
Property Address	640 HEATHER DR, WATSONVILLE, CA 95076-3628
Document Number	0000035672
Map Reference	MB 57 PG 35
Instrument Date	Sep 4, 2020
Instrument	2020-0035672
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
Address	640 HEATHER DR, WATSONVILLE, CA 95076-3628

Mortgage

Document Number	0000035673
Date	Sep 11, 2020
Instrument	2020-0035673

Lender

Name	BAY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 30, 2017
Property Address	640 HEATHER DR, WATSONVILLE, CA 95076-3628
Document Number	0000010777
Instrument Date	Mar 28, 2017
Instrument	10777
Transaction Type	Transfer
Record Updated	Apr 12, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1034 AMESTI RD WATSONVILLE CA 950760602, WATSONVILLE, CA 95076-0602

Tax Assessment & Valuation

The 2025 property tax bill for 640 Heather Dr was $7,370 with a homeowner's exemption.

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		$572,220 (+2%) Land $343,332 Building $228,888
2025	$7,370.00 Homeowner's exemption	$561,000 Land $336,600 Building $224,400
2023	$5,218.00 (+1.58%) Homeowner's exemption	$426,564 Land $298,595 Building $127,969	$465,750
2022	$5,137.00

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

Flood

FEMA maps place 640 Heather Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

The area around 640 Heather Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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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