70 Arroyo Dr, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 70 Arroyo Dr, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,176 sqft · built 1973
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Trust Names on File
Tax Bill	$3,764 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Dec 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`051-533-03`

Property Details

APN / Parcel Number

Primary APN	`051-533-03`
Alternative APN	`051-533-03-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,176 sqft Living Area

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Block
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	70 ARROYO DR
City	WATSONVILLE
State	CA
Zip	95076-0902
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Description	TR 576
Legal Tract	576
Legal Lot Number	195
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	3
Census Block	3011
Census Tract	122500

Owner

70 Arroyo Dr is owner-occupied and held in a trust since July 2020.

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	2 Trust Names on File
Mailing Address	70 ARROYO DR, WATSONVILLE, CA 95076-0902
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 8, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Dec 8, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 10, 2020
Transfer Doc	0000052841
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	70 ARROYO DR, WATSONVILLE, CA 95076-0902
Transaction Type	Mortgage
Record Updated	Feb 24, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	70 ARROYO DR, WATSONVILLE, CA 95076-0902

Mortgage

Document Number	0000008698
Date	Feb 11, 2021
Instrument	2021-0008698

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 8, 2020
Property Address	70 ARROYO DR, WATSONVILLE, CA 95076-0902
Document Number	0000052841
Instrument Date	Jul 10, 2020
Instrument	52841
Transaction Type	Transfer
Record Updated	Dec 24, 2020
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	Community Property
Address	70 ARROYO DR WATSONVILLE CA 950760902, WATSONVILLE, CA 95076-0902

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Dec 8, 2020
Property Address	70 ARROYO DR, WATSONVILLE, CA 95076-0902
Document Number	0000052842
Instrument Date	Jul 10, 2020
Instrument	52842
Transaction Type	Transfer
Record Updated	Dec 24, 2020
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	Personal Trust
Address	70 ARROYO DR WATSONVILLE CA 950760902, WATSONVILLE, CA 95076-0902

Tax Assessment & Valuation

The 2025 property tax bill for 70 Arroyo Dr was $3,764 with a homeowner's exemption.

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		$203,052 (+2%) Land $97,619 Building $105,433
2025	$3,764.00 Homeowner's exemption	$199,071 Land $95,705 Building $103,366
2023	$3,293.00 (+3.85%) Homeowner's exemption	$191,341 Land $91,989 Building $99,352	$550,620
2022	$3,171.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 70 Arroyo Dr in Zone X, an area of minimal flood risk, though there have been 42 flood claims nearby since 1982.

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	42 (1982–2023)
Claims Outside the SFHA	3 of 42
Most Recent Claim	Mar 2023 · Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 5 claims Severe Winter Storms, Flooding, And Mudslides, Jan 2017 · 5 claims Severe Winter Storms And Flooding, Feb 1998 · 5 claims

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

Wildfire risk around 70 Arroyo Dr is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% 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 254 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	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: Verizon.

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