Santa Cruz County property record for 645 Rodriguez St, Watsonville, CA 95076
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,198 sqft · built 1919 |
| Lot Size | 0.108 acres (4,704 sqft) |
| Owner | Individual Name on File |
| Last Sale | $408,500 (Aug 2015) |
| Tax Bill | $6,262 (2025) |
| Deeds & Mortgages | Mar 2018 Mortgage Mar 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 018-131-15 |
| Primary APN | 018-131-15 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,198 sqft Living Area |
| Gross Area | 1,429 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1919 |
|---|---|
| Effective Year Built | Effective 2000 |
| Construction Type | Wood |
| Roof Type | Sawtooth |
| Roof Material | Composition Shingle |
| Lot Area | 4,704 sqft (0.108 acres) |
| Garage Type | Attached |
| Garage Area | 231 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | HVAC |
|---|
| Street Address | 645 RODRIGUEZ ST |
|---|---|
| City | WATSONVILLE |
| State | CA |
| Zip | 95076-4228 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | WATSONVILLE |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 110401 |
645 Rodriguez St is owned and occupied by an individual who bought it in August 2015.
Source: Santa Cruz County records, as of August 19, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 645 RODRIGUEZ ST, WATSONVILLE, CA 95076-4228 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| Mar 9, 2018 | Deed of Trust, Mortgage · Conventional Mortgage MOUNTAIN WEST FINANCIAL INC |
| Mar 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MOUNTAIN WEST FINANCIAL INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 12, 2015 · Amount on File |
| Deed Sale | Aug 12, 2015 · Amount on File |
| Prior Sale | Jun 13, 2008 · Amount on File |
| Deed Document Number | 201533000 |
| Prior Transfer Date | Jun 9, 2008 |
| Prior Transfer Doc | 0000025619 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 645 RODRIGUEZ ST, WATSONVILLE, CA 95076-4228 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000007201 |
|---|---|
| Date | Mar 9, 2018 |
| Instrument | 2018-0007201 |
| Name | MOUNTAIN WEST FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Address | REDLANDS, CA 92374 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 645 RODRIGUEZ ST, WATSONVILLE, CA 95076-4228 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000008515 |
|---|---|
| Date | Mar 11, 2020 |
| Instrument | 2020-0008515 |
| Name | MOUNTAIN WEST FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Address | REDLANDS, CA 92374 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2050 |
The 2025 property tax bill for 645 Rodriguez St was $6,262.
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Municipality | Watsonville City |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $493,253 (+2%) Land $295,952 Building $197,301 | ||
| 2025 | $6,262.00 | $483,582 Land $290,149 Building $193,433 | |
| 2023 | $5,524.00 (+1.77%) | $464,803 Land $278,882 Building $185,921 | $502,110 |
| 2022 | $5,428.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 645 Rodriguez St in Zone X, an area of minimal flood risk.
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 File median of 13 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 13 in force |
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.
The area around 645 Rodriguez St 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 470 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Cruzio Fixed Wireless | 1,000 / 1,000 |
| Razzolink Fixed Wireless | 500 / 250 |
| Etheric Networks Fixed Wireless | 250 / 100 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Astound Broadband, GeoLinks, Verizon.
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