653 Larkin Valley Rd, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 653 Larkin Valley Rd, Watsonville, CA 95076

Property Summary

Property Type	Recreational Vacant Land
Details	5 bd · 4 ba · 7,298 sqft · built 1927
Lot Size	10.1 acres (443,005 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,900,000 (Dec 2025)
Tax Bill	$8,242 (2025)
Deeds & Mortgages	Jul 2025 Mortgage Dec 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`049-121-81`

Property Details

APN / Parcel Number

Primary APN	`049-121-81`
Alternative APNs	`049-121-81-000` `04912135000`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	9 Rooms
Building Area	7,298 sqft Gross Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Effective Year Built	Effective 2020
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	443,005 sqft
Terrain	Steep
Garage Type	Attached
Garage Area	861 sqft
Parking Spaces	3 Parking Spaces
Deck Area	428 sqft
Patio Area	428 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	653 LARKIN VALLEY RD
City	WATSONVILLE
State	CA
Zip	95076-8517
Property Category	Public Works
Property Type	Public Works > Recreational Vacant Land
Local Zoning Code	RA
Legal Subdivision	SAN ANDREAS RHO
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2021
Census Tract	122402

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	653 LARKIN VALLEY RD, WATSONVILLE, CA 95076-8517
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2025	Deed of Trust, Mortgage · Commercial Mortgage SCM VENTURES LLC
Dec 17, 2025	Grant Deed, Transfer · Conventional Mortgage BMO BANK NA
Sep 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2025 · Amount on Record
Deed Sale	Dec 17, 2025 · Amount on Record
Prior Sale	Aug 4, 2006 · Amount on Record
Deed Document Number	202527952
Prior Transfer Date	Nov 19, 2004
Prior Transfer Doc	0000083778
Record Updated	Oct 29, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	653 LARKIN VALLEY RD, WATSONVILLE, CA 95076-8517
Transaction Type	Mortgage
Record Updated	Jan 1, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	653 LARKIN VALLEY RD, WATSONVILLE, CA 95076-8517

Mortgage

Document Number	0000015730
Date	Jul 29, 2025
Instrument	2025-0015730

Lender

Name	SCM VENTURES LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

December 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 17, 2025
Property Address	653 LARKIN VALLEY RD, WATSONVILLE, CA 95076-8517
Document Number	0000027952
Map Reference	DOC 2004-0083778
Instrument Date	Dec 11, 2025
Instrument	2025-0027952
Transaction Type	Transfer
Record Updated	Jan 1, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,090.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	653 LARKIN VALLEY RD, WATSONVILLE, CA 95076-8517

Mortgage

Document Number	0000027953
Date	Dec 17, 2025
Instrument	2025-0027953

Lender

Name	BMO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Jan 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.6%
Index	SOFR Average 30-Day
Max Rate	10.6%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	653 LARKIN VALLEY RD, WATSONVILLE, CA 95076-8517
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	653 LARKIN VALLEY RD, WATSONVILLE, CA 95076-8517

Mortgage

Document Number	0000037037
Date	Sep 18, 2020
Instrument	2020-0037037

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2035

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		$1,900,000 (+192.18%) Land $1,300,000 Building $600,000
2025	$8,242.00 (+9.75%) Homeowner's exemption	$650,291 (+4.04%) Land $348,548 Building $301,743
2023	$7,510.00 (+2.04%) Homeowner's exemption	$625,040 Land $335,014 Building $290,026	$1,305,720
2022	$7,360.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	3 (2016–2023)
Claims Outside the SFHA	2 of 3
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	Moderate above 58% of the US · lower than 65% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Razzolink Fixed Wireless	500 / 250

May also be available: Cruzio, Etheric Networks, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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