70 Cunningham Way, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 70 Cunningham Way, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,531 sqft · built 1966
Lot Size	0.483 acres (21,039 sqft)
Owner	2 Individual Names on Record
Last Sale	$197,000 (Apr 2012)
Tax Bill	$5,112 (2025)
Deeds & Mortgages	May 2022 Mortgage Dec 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`051-401-18`

Property Details

APN / Parcel Number

Primary APN	`051-401-18`
Alternative APN	`051-401-18-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	1,531 sqft Living Area
Gross Area	1,751 sqft

Exterior

Year Built	Built 1966
Effective Year Built	Effective 2021
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	21,039 sqft (0.483 acres)
Garage Type	Attached
Garage Area	220 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	70 CUNNINGHAM WAY
City	WATSONVILLE
State	CA
Zip	95076-1202
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-10
Legal Subdivision	CORRALITOS RHO
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	4
Census Block	4001
Census Tract	122500

Owner

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 Individual Names on Record
Mailing Address	70 CUNNINGHAM WAY, WATSONVILLE, CA 95076-1202
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Dec 7, 2021	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Sep 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Nov 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage SIGN ON THE LINE INC
Nov 23, 2018	Deed of Trust, Mortgage · Conventional with PMI OWN IT HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2012 · Amount on Record
Deed Sale	Apr 16, 2012 · Amount on Record
Prior Sale	May 19, 2010 · Amount on Record
Deed Document Number	201217943
Prior Transfer Date	May 7, 2004
Prior Transfer Doc	0000033399
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	70 CUNNINGHAM WAY, WATSONVILLE, CA 95076-1202
Transaction Type	Mortgage
Record Updated	May 31, 2022
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	70 CUNNINGHAM WAY, CORRALITOS, CA 95076-1202

Mortgage

Document Number	0000015686
Date	May 18, 2022
Instrument	2022-0015686

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	70 CUNNINGHAM WAY, WATSONVILLE, CA 95076-1202
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	70 CUNNINGHAM WAY, WATSONVILLE, CA 95076-1202

Mortgage

Document Number	0000059263
Date	Dec 7, 2021
Instrument	2021-0059263

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	70 CUNNINGHAM WAY, WATSONVILLE, CA 95076-1202
Transaction Type	Mortgage
Record Updated	Oct 12, 2021
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	70 CUNNINGHAM WAY, WATSONVILLE, CA 95076-1202

Mortgage

Document Number	0000049621
Date	Sep 29, 2021
Instrument	2021-0049621

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	70 CUNNINGHAM WAY, WATSONVILLE, CA 95076-1202
Document Number	0000000965
Instrument Date	Nov 16, 2019
Transaction Type	Mortgage
Record Updated	Jan 24, 2020
Title Company	PACIFIC COAST TITLE COMPANY, PACIFIC COAST TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	70 CUNNINGHAM WAY WATSONVILLE CA 950761202, WATSONVILLE, CA 95076-1202

Mortgage

Document Number	0000000965
Date	Jan 10, 2020
Instrument	965

Lender

Name	SIGN ON THE LINE INC
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 9, 2050

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	70 CUNNINGHAM WAY, WATSONVILLE, CA 95076-1202
Document Number	0000035669
Instrument Date	Nov 23, 2018
Transaction Type	Mortgage
Record Updated	Dec 17, 2018
Title Company	NATIONWIDE TITLE CLEARING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	70 CUNNINGHAM WAY WATSONVILLE CA 950761202, WATSONVILLE, CA 95076-1202

Mortgage

Document Number	0000035669
Date	Nov 30, 2018
Instrument	35669

Lender

Name	OWN IT HM LOANS
Address	MELVILLE, NY 11753

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 29, 2048

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		$313,388 (+2%) Land $151,435 Building $161,953
2025	$5,112.00 (+21.92%)	$307,243 (+14.89%) Land $148,466 Building $158,777
2023	$4,193.00 (+7.76%)	$267,435 Land $142,701 Building $124,734	$470,430
2022	$3,891.00

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
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 94% of the US · lower than 96% of California
Wildfire Likelihood	0.03% 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 234 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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