Santa Cruz County property record for 774 McKenzie Ave, Watsonville, CA 95076 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,250 sqft · built 1974 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,124 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Aug 2022 Line of Credit + 3 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 017-396-06 |
| Primary APN | 017-396-06 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,250 sqft Living Area |
| Gross Area | 1,710 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1975 |
| Construction Type | Wood |
| Roof Material | Wood Shingle |
| Lot Area | 7,492 sqft (0.172 acres) |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 774 MCKENZIE AVE |
|---|---|
| City | WATSONVILLE |
| State | CA |
| Zip | 95076-3525 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TR 615 |
| Legal Subdivision | 615 VILLAGE ESTATES SUB 1 |
| Legal Tract | 615 |
| Legal Lot Number | 36 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | WATSONVILLE |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 110102 |
Source: Santa Cruz County records · APN 017-396-06
Assessment roll updated August 19, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 774 MCKENZIE AVE, WATSONVILLE, CA 95076-3525 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Dec 03, 2025 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Aug 12, 2022 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Jan 12, 2021 | Deed of Trust, Mortgage · FHA Mortgage AMERIHOME MORTGAGE COMPANY LLC |
| Mar 23, 2020 | Deed of Trust, Mortgage · FHA Mortgage AMERIHOME MORTGAGE COMPANY LLC |
| May 21, 2019 | Deed of Trust, Mortgage · FHA Mortgage LOWER |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 774 MCKENZIE AVE, WATSONVILLE, CA 95076-3525 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2025 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES I |
| Name | Verified Name |
|---|---|
| Address | 774 MCKENZIE AVE, CORRALITOS, CA 95076-3525 |
| Document Number | 0000025893 |
|---|---|
| Date | Dec 03, 2025 |
| Instrument | 2025-0025893 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | PORTLAND, OR 97204 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 02, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 774 MCKENZIE AVE, WATSONVILLE, CA 95076-3525 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Title Company | RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 774 MCKENZIE AVE, WATSONVILLE, CA 95076-3525 |
| Document Number | 0000023126 |
|---|---|
| Date | Aug 12, 2022 |
| Instrument | 2022-0023126 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 07, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 774 MCKENZIE AVE, WATSONVILLE, CA 95076-3525 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|---|
| Address | 774 MCKENZIE AVE, WATSONVILLE, CA 95076-3525 |
| Document Number | 0000001711 |
|---|---|
| Date | Jan 12, 2021 |
| Instrument | 2021-0001711 |
| Name | AMERIHOME MORTGAGE COMPANY LLC |
|---|---|
| Type | Mortgage Company |
| Address | THOUSAND OAKS, CA 91362 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 774 MCKENZIE AVE, WATSONVILLE, CA 95076-3525 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | TIMIOS |
| Name | Verified Name |
|---|
| Document Number | 0000009887 |
|---|---|
| Date | Mar 23, 2020 |
| Instrument | 2020-0009887 |
| Name | AMERIHOME MORTGAGE COMPANY LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 774 MCKENZIE AVE, WATSONVILLE, CA 95076-3525 |
| Document Number | 0000014335 |
| Instrument Date | May 21, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 774 MCKENZIE AVE WATSONVILLE CA 950763525, WATSONVILLE, CA 95076-3525 |
| Document Number | 0000014335 |
|---|---|
| Date | May 29, 2019 |
| Instrument | 14335 |
| Name | LOWER |
|---|---|
| Address | COLUMBIA, MD 21044 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 28, 2049 |
Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Municipality | Watsonville City |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $243,759 (+2%) Land $101,567 Building $142,192 | ||
| 2025 | $3,124.00 (+14.94%) Homeowner's exemption | $238,979 (+4.04%) Land $99,575 Building $139,404 | |
| 2023 | $2,718.00 (+1.87%) Homeowner's exemption | $229,699 Land $95,709 Building $133,990 | $614,250 |
| 2022 | $2,668.00 |
Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060871101022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Moderate |
| 500-Year Floodplain | Yes |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 115 individual NFIP policies nearby |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 115 in force 87 of 115 on primary residences |
| Nearby Flood Claims | 19 (2022–2023) |
| Most Recent Claim | Mar 2023, tidal / storm surge, Severe Winter Storms And Mudslides |
| Flood Events |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
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