686 Amesti Rd, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 686 Amesti Rd, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,550 sqft · built 1965
Lot Size	0.248 acres (10,803 sqft)
Owner	2 Individual Names on Record
Last Sale	$194,000 (Jun 1997)
Tax Bill	$4,255 (2025)
Deeds & Mortgages	Nov 2025 Second Mortgage May 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`050-281-05`

Property Details

APN / Parcel Number

Primary APN	`050-281-05`
Alternative APN	`050-281-05-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,550 sqft Living Area
Gross Area	1,970 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	10,803 sqft (0.248 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	686 AMESTI RD
City	WATSONVILLE
State	CA
Zip	95076-0754
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-9
Legal Description	TRACT 256 LOT 5
Legal Subdivision	AMESTI ACRES TR 256
Legal Tract	256
Legal Lot Number	5
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2001
Census Tract	123100

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	686 AMESTI RD, WATSONVILLE, CA 95076-0754
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
May 21, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 3, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 1997 · Amount on Record
Deed Sale	Jun 4, 1997 · Amount on Record
Deed Document Number	199724864
Last Transfer Date	May 16, 2019
Transfer Doc	0000013570
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	686 AMESTI RD, WATSONVILLE, CA 95076-0754
Transaction Type	Mortgage
Record Updated	Dec 25, 2025
Title Company	UNKNOWN, ROCKET CLOSE LLC RESIDEN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	686 AMESTI RD, CORRALITOS, CA 95076-0754

Mortgage

Document Number	0000024876
Date	Nov 19, 2025
Instrument	2025-0024876

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2045

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 21, 2019
Property Address	686 AMESTI RD, WATSONVILLE, CA 95076-0754
Document Number	0000013570
Instrument Date	May 16, 2019
Instrument	13570
Transaction Type	Transfer
Record Updated	Jun 6, 2019
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
Relationship	Revocable Trust
Address	686 AMESTI RD WATSONVILLE CA 950760754, WATSONVILLE, CA 95076-0754

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	686 AMESTI RD, WATSONVILLE, CA 95076-0754
Document Number	0000022880
Instrument Date	Jul 3, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	686 AMESTI RD WATSONVILLE CA 950760754, WATSONVILLE, CA 95076-0754

Mortgage

Document Number	0000022880
Date	Jul 13, 2017
Instrument	22880

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		$322,295 (+2%) Land $152,842 Building $169,453
2025	$4,255.00 (+14.29%) Homeowner's exemption	$315,975 (+4.04%) Land $149,845 Building $166,130
2023	$3,723.00 (+2.06%) Homeowner's exemption	$303,705 Land $144,026 Building $159,679	$744,210
2022	$3,648.00

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
Nearby Flood Claims	2 (1997–2016)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 2016 · rainfall accumulation

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 53% of the US · lower than 68% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Cruzio Fixed Wireless	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
Etheric Networks Fixed Wireless	250 / 100

May also be available: Verizon.

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