82 Arroyo Dr, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 82 Arroyo Dr, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,176 sqft · built 1973
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$297,500 (Dec 2000)
Tax Bill	$6,681 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Jan 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`051-533-04`

Property Details

APN / Parcel Number

Primary APN	`051-533-04`
Alternative APN	`051-533-04-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,176 sqft Living Area
Gross Area	1,638 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	82 ARROYO DR
City	WATSONVILLE
State	CA
Zip	95076-0902
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Subdivision	576 MESA VILLAGE SUB UN 7
Legal Lot Number	194
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	3
Census Block	3011
Census Tract	122500

Owner

Source: Santa Cruz County records, as of August 24, 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	82 ARROYO DR, WATSONVILLE, CA 95076-0902
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2022	Deed of Trust, Mortgage · Line of Credit PROVIDENT CU
Jan 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage ANDIGO CU
Mar 26, 2020	Deed of Trust, Mortgage · Line of Credit ANDIGO CU
Feb 7, 2020	Deed of Trust, Mortgage · Conventional with PMI ANDIGO CU
Mar 30, 2018	Deed of Trust, Mortgage · Line of Credit ANDIGO CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2000 · Amount on Record
Deed Sale	Dec 13, 2000 · Amount on Record
Deed Document Number	200062067
Prior Transfer Date	Dec 8, 2000
Prior Transfer Doc	0000062066
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	82 ARROYO DR, WATSONVILLE, CA 95076-0902
Transaction Type	Mortgage
Record Updated	Jul 5, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	82 ARROYO DR, WATSONVILLE, CA 95076-0902

Mortgage

Document Number	0000018528
Date	Jun 21, 2022
Instrument	2022-0018528

Lender

Name	PROVIDENT CU
Type	Credit Union
Address	REDWOOD CITY, CA 94065

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	82 ARROYO DR, WATSONVILLE, CA 95076-0902
Transaction Type	Mortgage
Record Updated	Feb 9, 2021
Title Company	CONSUMERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	82 ARROYO DR, WATSONVILLE, CA 95076-0902

Mortgage

Document Number	0000005433
Date	Jan 29, 2021
Instrument	2021-0005433

Lender

Name	ANDIGO CU
Type	Credit Union
Address	SCHAUMBURG, IL 60173

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	82 ARROYO DR, WATSONVILLE, CA 95076-0902
Document Number	0000017404
Instrument Date	Mar 26, 2020
Transaction Type	Mortgage
Record Updated	Jun 8, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	82 ARROYO DR WATSONVILLE CA 950760902, WATSONVILLE, CA 95076-0902

Mortgage

Document Number	0000017404
Date	May 21, 2020
Instrument	17404

Lender

Name	ANDIGO CU
Address	SCHAUMBURG, IL 60173

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 20, 2040

Interest

Rate Type	Adjustable Rate

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	82 ARROYO DR, WATSONVILLE, CA 95076-0902
Document Number	0000012032
Instrument Date	Feb 7, 2020
Transaction Type	Mortgage
Record Updated	May 6, 2020
Title Company	VANTAGE PT TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	82 ARROYO DR WATSONVILLE CA 950760902, WATSONVILLE, CA 95076-0902

Mortgage

Document Number	0000012032
Date	Apr 8, 2020
Instrument	12032

Lender

Name	ANDIGO CU
Address	SCHAUMBURG, IL 60173

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	120 Months
Due	Apr 7, 2030

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	82 ARROYO DR, WATSONVILLE, CA 95076-0902
Document Number	0000012909
Instrument Date	Mar 30, 2018
Transaction Type	Mortgage
Record Updated	May 31, 2018
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	82 ARROYO DR WATSONVILLE CA 950760902, WATSONVILLE, CA 95076-0902

Mortgage

Document Number	0000012909
Date	Apr 30, 2018
Instrument	12909

Lender

Name	ANDIGO CU
Address	SCHAUMBURG, IL 60173

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 29, 2038

Interest

Rate Type	Adjustable Rate

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		$457,253 (+2%) Land $274,352 Building $182,901
2025	$6,681.00 (+13.51%) Homeowner's exemption	$448,287 (+4.04%) Land $268,972 Building $179,315
2023	$5,886.00 (+2.9%) Homeowner's exemption	$430,880 Land $258,528 Building $172,352	$570,960
2022	$5,720.00

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
Nearby Flood Claims	42 (1982–2023)
Claims Outside the SFHA	3 of 42
Most Recent Claim	Mar 2023 · Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 5 claims Severe Winter Storms, Flooding, And Mudslides, Jan 2017 · 5 claims Severe Winter Storms And Flooding, Feb 1998 · 5 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 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 254 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
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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