745 Mockingbird Ridge Rd, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 745 Mockingbird Ridge Rd, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	6 bd · 5.5 ba · 5,153 sqft · built 1992
Lot Size	12.9 acres (563,579 sqft)
Owner	2 Trust Names on Record
Last Sale	$2,790,000 (Sep 2020)
Tax Bill	$35,830 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Mar 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`041-301-43`

Property Details

APN / Parcel Number

Primary APN	`041-301-43`
Alternative APN	`041-301-43-000`

Interior

Bedrooms	6 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Building Area	5,153 sqft Living Area
Gross Area	6,286 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Construction Type	Wood
Lot Area	563,579 sqft
Terrain	Steep
Garage Type	Attached
Garage Area	1,133 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	745 MOCKINGBIRD RIDGE RD
City	WATSONVILLE
State	CA
Zip	95076-8509
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SU
Legal Subdivision	PM50 51
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2006
Census Tract	122402

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	2 Trust Names on Record
Mailing Address	745 MOCKINGBIRD RIDGE RD, WATSONVILLE, CA 95076-8509
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2025	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Mar 16, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 13, 2019	Deed of Trust, Mortgage · Line of Credit SANTA CRUZ COUNTY BANK
Nov 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Sep 30, 2020	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Sep 16, 2020	Grant Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2020 · Amount on Record
Deed Sale	Sep 16, 2020 · Amount on Record
Deed Document Number	202036441
Last Transfer Date	Sep 17, 2020
Transfer Doc	0000039284
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	745 MOCKINGBIRD RIDGE RD, WATSONVILLE, CA 95076-8509
Transaction Type	Mortgage
Record Updated	Jan 1, 2026
Title Company	PRIOR TITLE, PRIORITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	745 MOCKINGBIRD RIDGE RD, WATSONVILLE, CA 95076-8509

Mortgage

Document Number	0000027711
Date	Dec 15, 2025
Instrument	2025-0027711

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	ELGIN, IL 60124

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Jan 1, 2031
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	6.75%
Index	SOFR Average 30-Day
Max Rate	9.75%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	745 MOCKINGBIRD RIDGE RD, WATSONVILLE, CA 95076-8509
Transaction Type	Mortgage
Record Updated	Mar 30, 2022
Title Company	AMROCK TITLE CA INC, AMROCK TITLE CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	745 MOCKINGBIRD RIDGE RD, WATSONVILLE, CA 95076-8509

Mortgage

Document Number	0000008619
Date	Mar 16, 2022
Instrument	2022-0008619

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	1.5%
Type Change Date	Jan 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	6.5%
Index	Other
Margin	3
Max Rate	6.5%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	745 MOCKINGBIRD RIDGE RD, WATSONVILLE, CA 95076-8509
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023119
Date	Aug 13, 2019
Instrument	2019-0023119

Lender

Name	SANTA CRUZ COUNTY BANK
Type	Bank
Address	SANTA CRUZ, CA 95061

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	745 MOCKINGBIRD RIDGE RD, WATSONVILLE, CA 95076-8509
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1333 ARLEEN AVE, SUNNYVALE, CA 94087-3521

Mortgage

Document Number	0000047767
Date	Nov 12, 2020
Instrument	2020-0047767

Lender

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

Agreement

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

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 30, 2020
Property Address	745 MOCKINGBIRD RIDGE RD, WATSONVILLE, CA 95076-8509
Document Number	0000039284
Instrument Date	Sep 17, 2020
Instrument	39284
Transaction Type	Transfer
Record Updated	Nov 4, 2020
Title Company	FIRST AMERICAN TITLE

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	745 MOCKINGBIRD RIDGE RD WATSONVILLE CA 950768509, WATSONVILLE, CA 95076-8509

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 16, 2020
Property Address	745 MOCKINGBIRD RIDGE RD, WATSONVILLE, CA 95076-8509
Document Number	0000036441
Instrument Date	Sep 9, 2020
Instrument	36441
Transaction Type	Transfer
Record Updated	Oct 7, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$3,069.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	745 MOCKINGBIRD RIDGE RD WATSONVILLE CA 950768509, WATSONVILLE, CA 95076-8509

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		$3,080,385 (+2%) Land $1,589,876 Building $1,490,509
2025	$35,830.00 (+12.72%) Homeowner's exemption	$3,019,985 (+4.04%) Land $1,558,702 Building $1,461,283
2023	$31,787.00 (+1.76%) Homeowner's exemption	$2,902,716 Land $1,498,176 Building $1,404,540	$2,835,000
2022	$31,238.00

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	9 in force
Nearby Flood Claims	3 (2016–2023)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Mar 2023 · Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides

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	Moderate above 52% of the US · lower than 69% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Razzolink Fixed Wireless	500 / 250

May also be available: Cruzio, Etheric Networks, Spectrum, Surfnet Communications, T-Mobile, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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