Santa Cruz County property record for 840 Cynthia Dr, Watsonville, CA 95076
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,558 sqft · built 2005 |
| Lot Size | 0.131 acres (5,706 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $619,000 (Apr 2006) |
| Tax Bill | $3,373 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Dec 2020 Mortgage |
| Flood Zone | Zone AH (high risk) |
| APN | 017-761-07 |
| Primary APN | 017-761-07 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,558 sqft Living Area |
| Gross Area | 1,972 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 5,706 sqft (0.131 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 | 840 CYNTHIA DR |
|---|---|
| City | WATSONVILLE |
| State | CA |
| Zip | 95076-3688 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | PAJARO VISTA TR #1460 |
| Legal Lot Number | 7 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | WATSONVILLE |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 110101 |
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 Individual Names on Record |
|---|---|
| Mailing Address | 840 CYNTHIA DR, WATSONVILLE, CA 95076-3688 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jun 18, 2026 | Deed of Trust, Mortgage · Line of Credit BAY FEDERAL CREDIT UNION |
| Dec 9, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 28, 2006 · Amount on Record |
| Deed Sale | Apr 28, 2006 · Amount on Record |
| Deed Document Number | 200624853 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Recording Date | Jun 18, 2026 |
| Property Address | 840 CYNTHIA DR, WATSONVILLE, CA 95076-3688 |
| Document Number | 0000013809 |
| Instrument Date | Jun 10, 2026 |
| Instrument | 202613809 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 840 CYNTHIA DR, WATSONVILLE, CA 95076-3688 |
| Document Number | 0000013809, |
|---|---|
| Date | Jun 18, 2026 |
| Instrument | 202613809 |
| Name | BAY FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jul 15, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 840 CYNTHIA DR, WATSONVILLE, CA 95076-3688 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 840 CYNTHIA DR, WATSONVILLE, CA 95076-3688 |
| Document Number | 0000053001 |
|---|---|
| Date | Dec 9, 2020 |
| Instrument | 2020-0053001 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
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 | $262,888 (+2%) Land $25,552 Building $237,336 | ||
| 2025 | $3,373.00 (+14.65%) Homeowner's exemption | $257,733 (+4.04%) Land $25,051 Building $232,682 | |
| 2023 | $2,942.00 (+1.87%) Homeowner's exemption | $247,725 Land $24,078 Building $223,647 | $657,360 |
| 2022 | $2,888.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 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.
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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