645 Fallowfield Ln, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 645 Fallowfield Ln, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Lot Size	26.6 acres (1,159,088 sqft)
Owner	2 Individual Names on Record
Tax Bill	$9,291 (2025)
Deeds & Mortgages	Mar 2018 Line of Credit Nov 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`110-031-29`

Property Details

APN / Parcel Number

Primary APN	`110-031-29`
Alternative APN	`110-031-29-000`

Exterior

Lot Area	1,159,088 sqft
Terrain	Steep
View / Lot	Ocean

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	645 FALLOWFIELD LN
City	WATSONVILLE
State	CA
Zip	95076-8691
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CA
Legal Subdivision	SALSIPUEDES RHO
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1000
Census Tract	123300

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	450 FALLOWFIELD LN, WATSONVILLE, CA 95076-8685
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Nov 20, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Aug 29, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 6, 1995
Transfer Doc	0000045902
Record Updated	Oct 29, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	645 FALLOWFIELD LN, WATSONVILLE, CA 95076-8691
Document Number	0000008839
Instrument Date	Mar 7, 2018
Transaction Type	Mortgage
Record Updated	Apr 11, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 FALLOWFIELD LN WATSONVILLE CA 950768691, WATSONVILLE, CA 95076-8691

Mortgage

Document Number	0000008839
Date	Mar 26, 2018
Instrument	8839

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	645 FALLOWFIELD LN, WATSONVILLE, CA 95076-8691
Document Number	0000040371
Instrument Date	Nov 20, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	450 FALLOWFIELD LN WATSONVILLE CA 950768685, WATSONVILLE, CA 95076-8685

Mortgage

Document Number	0000040371
Date	Dec 1, 2017
Instrument	40371

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	645 FALLOWFIELD LN, WATSONVILLE, CA 95076-8691
Document Number	0000029936
Instrument Date	Aug 29, 2017
Transaction Type	Mortgage
Record Updated	Sep 21, 2017
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 FALLOWFIELD LN WATSONVILLE CA 950768691, WATSONVILLE, CA 95076-8691

Mortgage

Document Number	0000029936
Date	Sep 8, 2017
Instrument	29936

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$760,399 (+2%) Land $324,643 Building $435,756
2025	$9,291.00 (+13.29%) Homeowner's exemption	$745,489 (+4.04%) Land $318,277 Building $427,212
2023	$8,201.00 (+1.88%) Homeowner's exemption	$716,540 Land $305,918 Building $410,622	$1,390,860
2022	$8,050.00

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
Flood Insurance Cost	Premium on Record median of 26 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	26 in force
Nearby Flood Claims	2 (2022–2023)
Most Recent Claim	Mar 2023 · Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides

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 75% of the US · above 51% of California
Wildfire Likelihood	0.4% 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cruzio Fixed Wireless	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
AT&T Fixed Wireless	25 / 3

May also be available: Etheric Networks, Verizon.

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