72 Mar Monte Ave, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 72 Mar Monte Ave, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,251 sqft · built 1985
Lot Size	0.547 acres (23,827 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,650,000 (Sep 2026)
Tax Bill	$14,269 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Aug 2023 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`045-052-57`

Property Details

APN / Parcel Number

Primary APN	`045-052-57`
Alternative APN	`045-052-57-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Building Area	2,251 sqft Living Area
Gross Area	2,692 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	23,827 sqft (0.547 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Deck Area	114 sqft
Patio Area	114 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	72 MAR MONTE AVE
City	WATSONVILLE
State	CA
Zip	95076-1635
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-9
Legal Subdivision	PM41 51
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	3
Census Block	3001
Census Tract	122300

Owner

Source: Santa Cruz County records, as of October 14, 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	72 MAR MONTE AVE, WATSONVILLE, CA 95076-1635
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2026	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Aug 29, 2023	Deed of Trust, Mortgage · Line of Credit FREMONT BANK
Apr 5, 2022	Deed of Trust, Mortgage · Line of Credit FREMONT BANK
Aug 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jul 25, 2018	Deed of Trust, Mortgage · ARM PATELCO CU
Aug 23, 2018	Deed of Trust, Mortgage · Line of Credit FREMONT BANK
Mar 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE WEST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2026 · Amount on Record
Deed Sale	Sep 29, 2026 · Amount on Record
Prior Sale	Oct 28, 2005 · Amount on Record
Deed Document Number	202621874
Transfer Doc	0000007469
Record Updated	Oct 29, 2026

September 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 29, 2026
Property Address	72 MAR MONTE AVE, WATSONVILLE, CA 95076-1635
Document Number	0000021874
Instrument Date	Sep 21, 2026
Instrument	202621874
Transaction Type	Transfer
Record Updated	Oct 13, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$183,315.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	72 MAR MONTE AVE, WATSONVILLE, CA 95076-1635

Mortgage

Document Number	0000021875,
Date	Sep 29, 2026
Instrument	202621875

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	72 MAR MONTE AVE, WATSONVILLE, CA 95076-1635
Transaction Type	Mortgage
Record Updated	Sep 15, 2023
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	72 MAR MONTE AVE, WATSONVILLE, CA 95076-1635

Mortgage

Document Number	0000016165
Date	Aug 29, 2023
Instrument	2023-0016165

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 20, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	72 MAR MONTE AVE, WATSONVILLE, CA 95076-1635
Transaction Type	Mortgage
Record Updated	Apr 20, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	72 MAR MONTE AVE, WATSONVILLE, CA 95076-1635

Mortgage

Document Number	0000010984
Date	Apr 5, 2022
Instrument	2022-0010984

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Mar 20, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	72 MAR MONTE AVE, WATSONVILLE, CA 95076-1635
Transaction Type	Mortgage
Record Updated	Sep 23, 2021
Title Company	STEWART TITLE, STEWART TITLE OF CALIFORNIA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	72 MAR MONTE AVE, WATSONVILLE, CA 95076-1635

Mortgage

Document Number	0000044721
Date	Aug 30, 2021
Instrument	2021-0044721

Lender

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

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Sep 1, 2031
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	5%
Index	Other
Max Rate	8%

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	72 MAR MONTE AVE, WATSONVILLE, CA 95076-1635
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	PLACER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022775
Date	Jul 25, 2018
Instrument	2018-0022775

Lender

Name	PATELCO CU
Type	Credit Union
Address	PLEASANTON, CA 94588

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Aug 1, 2023
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.37%
Index	1-Year T-Bill
Max Rate	9.37%

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	72 MAR MONTE AVE, WATSONVILLE, CA 95076-1635
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025793
Date	Aug 23, 2018
Instrument	2018-0025793

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 20, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	72 MAR MONTE AVE, WATSONVILLE, CA 95076-1635
Document Number	0000016608
Instrument Date	Mar 17, 2020
Transaction Type	Mortgage
Record Updated	May 29, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	72 MAR MONTE AVE LA SELVA BEACH CA 950761635, LA SELVA BEACH, CA 95076-1635

Mortgage

Document Number	0000016608
Date	May 14, 2020
Instrument	16608

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 13, 2040

Interest

Rate Type	Adjustable Rate
Rate	3.5%

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		$1,182,731 (+2%) Land $651,518 Building $531,213
2025	$14,269.00 (+14.55%) Homeowner's exemption	$1,159,540 (+4.04%) Land $638,743 Building $520,797
2023	$12,457.00 (+1.8%) Homeowner's exemption	$1,114,514 Land $613,940 Building $500,574	$1,295,820
2022	$12,237.00

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (1998)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Apr 1998 · Severe Winter Storms And Flooding
Claims by Event	Severe Winter Storms And Flooding, Apr 1998 · 2 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

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

Wildfire Risk	Low lower than 62% of the US · lower than 77% of California
Wildfire Likelihood	0.06% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SOQUEL CREEK WATER DISTRICT serves 40,962 people · EPA ID CA4410017
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
Lead	2 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 104 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Razzolink Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Cruzio.

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