Santa Cruz County property record for 820 Delta Way, Watsonville, CA 95076
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,558 sqft · built 2006 |
| Lot Size | 0.134 acres (5,837 sqft) |
| Owner | Individual Name on File |
| Last Sale | $520,000 (Aug 2016) |
| Tax Bill | $6,181 (2025) |
| Deeds & Mortgages | Jan 2017 Reverse Mortgage Apr 2017 Transfer + 1 more |
| Flood Zone | Zone AH (high risk) |
| APN | 017-761-03 |
| Primary APN | 017-761-03 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,558 sqft Living Area |
| Gross Area | 1,972 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 5,837 sqft (0.134 acres) |
| Garage Type | Attached |
| Garage Area | 414 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 820 DELTA WAY |
|---|---|
| City | WATSONVILLE |
| State | CA |
| Zip | 95076-3679 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | PAJARO VISTA |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | WATSONVILLE |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 110101 |
820 Delta Way is owned and occupied by an individual who acquired it in April 2017.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 820 DELTA WAY, WATSONVILLE, CA 95076-3679 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Borrower in Default |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 17, 2017 | Deed of Trust, Mortgage · Reverse Mortgage PLAZA HOME MORTGAGE INC |
| Apr 18, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Jan 10, 2017 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 12, 2016 · Amount on File |
| Deed Sale | Aug 12, 2016 · Amount on File |
| Prior Sale | Sep 17, 2009 · Amount on File |
| Deed Document Number | 201629695 |
| Last Transfer Date | Apr 5, 2017 |
| Transfer Doc | 0000012862 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 820 DELTA WAY, WATSONVILLE, CA 95076-3679 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | STEWART TI SPL |
| Name | Verified Name |
|---|
| Document Number | 0000001788 |
|---|---|
| Date | Jan 17, 2017 |
| Instrument | 2017-0001788 |
| Name | PLAZA HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92121 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 832 Months |
| Due | May 27, 2086 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.06% |
| Type Change Date | Feb 1, 2018 |
| Change Frequency | Annually |
| Index | 1-Year LIBOR |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Apr 18, 2017 |
| Property Address | 820 DELTA WAY, WATSONVILLE, CA 95076-3679 |
| Document Number | 0000012862 |
| Instrument Date | Apr 5, 2017 |
| Instrument | 12862 |
| Transaction Type | Transfer |
| Record Updated | May 4, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 820 DELTA WAY WATSONVILLE CA 950763679, WATSONVILLE, CA 95076-3679 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 820 DELTA WAY, WATSONVILLE, CA 95076-3679 |
| Document Number | 0000001789 |
| Instrument Date | Jan 10, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2018 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 820 DELTA WAY WATSONVILLE CA 950763679, WATSONVILLE, CA 95076-3679 |
| Document Number | 0000001789 |
|---|---|
| Date | Jan 17, 2017 |
| Instrument | 1789 |
| Name | HUD-HOUSING/URBAN DEV |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 828 Months |
| Due | Jan 16, 2086 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 820 Delta Way was $6,181 with a homeowner's exemption.
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Municipality | Watsonville City |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $492,565 (+2%) Land $263,145 Building $229,420 | ||
| 2025 | $6,181.00 Homeowner's exemption | $482,907 Land $257,985 Building $224,922 | |
| 2023 | $5,451.00 (+1.81%) Homeowner's exemption | $464,155 Land $247,967 Building $216,188 | $596,790 |
| 2022 | $5,354.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 820 Delta Way in Zone AH, a high-risk flood area; flood insurance is required for federally backed loans.
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 File median of 88 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 88 in force |
| Nearby Flood Claims | 3 (2022–2023) |
| Most Recent Claim | Mar 2023 · Severe Storm And Flooding |
| Claims by Event |
|
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.
The area around 820 Delta Way has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 246 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cruzio Fixed Wireless | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 35 |
| Razzolink Fixed Wireless | 500 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| Etheric Networks Fixed Wireless | 250 / 100 |
| AT&T DSL | 100 / 20 |
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