7 Dick Phelps Rd, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 7 Dick Phelps Rd, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,534 sqft · built 1996
Lot Size	0.207 acres (9,017 sqft)
Owner	Individual Name on Record
Last Sale	$370,000 (Nov 2014)
Tax Bill	$9,424 (2025)
Deeds & Mortgages	Oct 2021 Line of Credit Jul 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`051-071-32`

Property Details

APN / Parcel Number

Primary APN	`051-071-32`
Alternative APN	`051-071-32-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	1,534 sqft Living Area
Gross Area	1,974 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	9,017 sqft (0.207 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	7 DICK PHELPS RD
City	WATSONVILLE
State	CA
Zip	95076-1333
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10
Legal Description	PARCEL MAPS A PG 52 PCL 15
Legal Subdivision	PARCEL MAP
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	4
Census Block	4009
Census Tract	122500

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	Individual Name on Record
Mailing Address	7 DICK PHELPS RD, WATSONVILLE, CA 95076-1333
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2021	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST
Jul 20, 2018	Deed of Trust, Mortgage · Conventional Mortgage ROYAL PACIFIC FUNDING CORP
Jan 13, 2020	Deed of Trust, Mortgage · FHA Mortgage HOME APPROVALS DIRECT INC
Nov 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 8, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 26, 2014 · Amount on Record
Deed Sale	Nov 26, 2014 · Amount on Record
Prior Sale	Nov 19, 2009 · Amount on Record
Deed Document Number	201440224
Prior Transfer Date	May 13, 2003
Prior Transfer Doc	0000051392
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	7 DICK PHELPS RD, WATSONVILLE, CA 95076-1333
Transaction Type	Mortgage
Record Updated	Nov 2, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 DICK PHELPS RD, WATSONVILLE, CA 95076-1333

Mortgage

Document Number	0000052637
Date	Oct 19, 2021
Instrument	2021-0052637

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	7 DICK PHELPS RD, WATSONVILLE, CA 95076-1333
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022270
Date	Jul 20, 2018
Instrument	2018-0022270

Lender

Name	ROYAL PACIFIC FUNDING CORP
Type	Funding / Finance Company
Address	COSTA MESA, CA 92626

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	7 DICK PHELPS RD, WATSONVILLE, CA 95076-1333
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001227
Date	Jan 13, 2020
Instrument	2020-0001227

Lender

Name	HOME APPROVALS DIRECT INC
Type	Non-Lending Institution
Address	IRVINE, CA 92612

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	7 DICK PHELPS RD, WATSONVILLE, CA 95076-1333
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 DICK PHELPS RD, WATSONVILLE, CA 95076-1333

Mortgage

Document Number	0000050669
Date	Nov 25, 2020
Instrument	2020-0050669

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 8, 2018
Property Address	7 DICK PHELPS RD, WATSONVILLE, CA 95076-1333
Document Number	0000017482
Instrument Date	May 22, 2018
Instrument	17482
Transaction Type	Transfer
Record Updated	Jun 19, 2018

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 DICK PHELPS RD WATSONVILLE CA 950761333, WATSONVILLE, CA 95076-1333

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		$696,351 (+2%) Land $464,234 Building $232,117
2025	$9,424.00 (+13.21%) Homeowner's exemption	$682,698 (+4.04%) Land $455,132 Building $227,566
2023	$8,324.00 (+2.55%) Homeowner's exemption	$656,187 Land $437,458 Building $218,729	$523,620
2022	$8,117.00

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

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 98.4% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 100 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
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

May also be available: Verizon.

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