643 Peartree Dr, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 643 Peartree Dr, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,725 sqft · built 1975
Lot Size	0.112 acres (4,879 sqft)
Owner	2 Company Names on File
Last Sale	$712,000 (Jan 2026)
Tax Bill	$8,235 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Dec 2021 Sale + 2 more
Flood Zone	Zone AE (high risk)
APN	`017-408-23`

Property Details

APN / Parcel Number

Primary APN	`017-408-23`
Alternative APN	`017-408-23-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,725 sqft Living Area
Gross Area	2,164 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 2000
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	4,879 sqft (0.112 acres)
Garage Type	Attached
Garage Area	439 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	643 PEARTREE DR
City	WATSONVILLE
State	CA
Zip	95076-3631
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	PM14 73
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2005
Census Tract	110102

Owner

643 Peartree Dr is owned by a company that bought it in January 2026.

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

Owner of Record	2 Company Names on File
Mailing Address	943 SKIP AWAY CT, MORGAN HILL, CA 95037-6070
Owner Type	Company
Vesting	Life Tenant

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 13, 2026	Grant Deed, Transfer · Conventional Mortgage FREMONT BANK
Dec 6, 2021	Grant Deed, Transfer STEWART TITLE OF CA INC
May 12, 2017	Affidavit of Death, Transfer STEWART TITLE, STEWART TITLE/CA
May 12, 2017	Grant Deed, Transfer · Conventional with PMI STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2026 · Amount on File
Deed Sale	Jan 13, 2026 · Amount on File
Prior Sale	Dec 6, 2021 · Amount on File
Deed Document Number	2026697
Record Updated	Sep 20, 2026

January 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 13, 2026
Property Address	643 PEARTREE DR, WATSONVILLE, CA 95076-3631
Document Number	0000000697
Map Reference	MB 14 PG 73
Instrument Date	Jan 5, 2026
Instrument	2026-0000697
Transaction Type	Transfer
Record Updated	Jan 28, 2026
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$783.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	943 SKIP AWAY CT, MORGAN HILL, CA 95037-6070

Mortgage

Document Number	0000000698
Date	Jan 13, 2026
Instrument	2026-0000698

Lender

Name	FREMONT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

December 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 6, 2021
Property Address	643 PEARTREE DR, WATSONVILLE, CA 95076-3631
Document Number	0000059111
Map Reference	MB 14 PG 73
Instrument Date	Nov 29, 2021
Instrument	2021-0059111
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	STEWART TITLE OF CA INC

Transaction

Amount	Amount on Record
Tax	$370.70
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	32883 PUMA LN, SQUAW VALLEY, CA 93675-9666

May 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SANTA CRUZ CA
Recording Date	May 12, 2017
Property Address	643 PEARTREE DR, WATSONVILLE, CA 95076-3631
Document Number	0000015744
Instrument Date	May 6, 2017
Instrument	15744
Transaction Type	Transfer
Record Updated	May 22, 2017
Title Company	STEWART TITLE, STEWART TITLE/CA

Transaction

Tax	$0.00
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	345 WHISMAN STATION DR MOUNTAIN VIEW CA 940435256, MOUNTAIN VIEW, CA 94043-5256

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 12, 2017
Property Address	643 PEARTREE DR, WATSONVILLE, CA 95076-3631
Document Number	0000015745
Instrument Date	May 1, 2017
Instrument	15745
Transaction Type	Transfer
Record Updated	May 23, 2017
Title Company	STEWART TITLE, STEWART TITLE/CA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$440.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 PEARTREE DR WATSONVILLE CA 950763631, WATSONVILLE, CA 95076-3631

Mortgage

Document Number	15746
Date	May 12, 2017
Instrument	15746

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 11, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 643 Peartree Dr was $8,235.

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		$622,398 (+2%) Land $416,736 Building $205,662
2025	$8,235.00	$610,195 Land $408,565 Building $201,630
2023	$7,310.00 (+1.88%)	$586,500 Land $392,700 Building $193,800	$607,770
2022	$7,175.00

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

Flood

FEMA maps place 643 Peartree 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 643 Peartree 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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