74 White St, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 74 White St, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 980 sqft · built 1955
Lot Size	0.161 acres (7,013 sqft)
Owner	2 Individual Names on Record
Last Sale	$170,500 (Aug 2026)
Tax Bill	$3,744 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage May 2026 Sale & Mortgage + 1 more
Flood Zone	Zone AH (high risk)
APN	`017-271-31`

Property Details

APN / Parcel Number

Primary APN	`017-271-31`
Alternative APN	`017-271-31-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	980 sqft Living Area
Gross Area	1,420 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	7,013 sqft (0.161 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	74 WHITE ST
City	WATSONVILLE
State	CA
Zip	95076-5045
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	LANDS/WILLIAM FUJITA
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2000
Census Tract	110301

Owner

Source: Santa Cruz County records, as of September 1, 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	2404 PARADISE POINT PL, BAKERSFIELD, CA 93313-2215
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2026	Grant Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
May 1, 2026	Grant Deed, Transfer · Conventional Mortgage E-PLACER TITLE, PLACER TITLE
Feb 19, 2026	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 20, 2026 · Amount on Record
Deed Sale	Aug 20, 2026 · Amount on Record
Prior Sale	May 1, 2026 · Amount on Record
Deed Document Number	202618771
Prior Transfer Date	Nov 20, 2009
Prior Transfer Doc	0000055992
Record Updated	Oct 29, 2026

August 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 20, 2026
Property Address	74 WHITE ST, WATSONVILLE, CA 95076-5045
Document Number	0000018771
Instrument Date	Aug 13, 2026
Instrument	202618771
Transaction Type	Transfer
Record Updated	Sep 1, 2026
Title Company	PLACER TITLE ER, PLACER TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$18,942.55
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	2404 PARADISE POINT PL, BAKERSFIELD, CA 93313-2215
Investor	Possibly a Property Investor

Mortgage

Document Number	0000018772,
Date	Aug 20, 2026
Instrument	202618772

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

May 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	May 1, 2026
Property Address	74 WHITE ST, WATSONVILLE, CA 95076-5045
Document Number	0000009852
Instrument Date	Apr 28, 2026
Instrument	2026.9852
Transaction Type	Transfer
Record Updated	May 14, 2026
Title Company	E-PLACER TITLE, PLACER TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$50,883.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	2404 PARADISE POINT PL, BAKERSFIELD, CA 93313-2215

Mortgage

Document Number	0000009853,
Date	May 1, 2026
Instrument	2026..9853

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.22%
Max Rate	-1%

February 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Feb 19, 2026
Property Address	74 WHITE ST, WATSONVILLE, CA 95076-5045
Document Number	0000003675
Map Reference	VOL 61 PG 28
Instrument Date	Feb 17, 2026
Instrument	2026-0003675
Transaction Type	Transfer
Record Updated	Mar 5, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	74 WHITE ST, WATSONVILLE, CA 95076-5045

Tax Assessment & Valuation

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Municipality	Watsonville City
Unified School District	Pajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$260,053 (+2%) Land $156,032 Building $104,021
2025	$3,744.00 (+11.83%)	$254,955 (+4.04%) Land $152,973 Building $101,982
2024	$3,348.00 (+1.61%)
2023	$3,295.00 (+2.01%)	$245,055 Land $147,033 Building $98,022	$388,890
2022	$3,230.00

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 AH high risk · shallow ponding 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 105 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	109 units insured incl. 4 condo units
Nearby Flood Claims	7 (2022–2023)
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 7 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	Not rated no burnable land within 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 427 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
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Etheric Networks, T-Mobile.

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