86 Lilly Way, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 86 Lilly Way, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,259 sqft · built 1998
Lot Size	3.3 acres (144,009 sqft)
Owner	Trust Name on File
Last Sale	$235,000 (Dec 1997)
Tax Bill	$9,058 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jul 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`046-241-42`

Property Details

APN / Parcel Number

Primary APN	`046-241-42`
Alternative APN	`046-241-42-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Building Area	2,259 sqft Living Area
Gross Area	3,027 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Construction Type	Wood
Roof Material	Tile
Lot Area	144,009 sqft
Terrain	Steep
View / Lot	Ocean
Garage Type	Attached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Deck Area	195 sqft
Patio Area	195 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	86 LILLY WAY
City	WATSONVILLE
State	CA
Zip	95076-1916
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CA
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2006
Census Tract	122300

Owner

86 Lilly Way is owner-occupied and held in a trust since February 2021.

Source: Santa Cruz County records, as of August 24, 2026

Owner of Record	Trust Name on File
Mailing Address	86 LILLY WAY, WATSONVILLE, CA 95076-1916
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Jul 15, 2021	Intrafamily Transfer, Transfer AMROCK LLC
Aug 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE WEST
Mar 5, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 24, 1997 · Amount on File
Deed Sale	Dec 24, 1997 · Amount on File
Deed Document Number	199761366
Last Transfer Date	Feb 19, 2021
Transfer Doc	0000037687
Record Updated	Oct 29, 2026

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 15, 2021
Property Address	86 LILLY WAY, WATSONVILLE, CA 95076-1916
Document Number	0000037687
Instrument Date	Feb 19, 2021
Instrument	2021-0037687
Transaction Type	Transfer
Record Updated	Jul 28, 2021
Title Company	AMROCK INC, AMROCK

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	86 LILLY WAY, WATSONVILLE, CA 95076-1916

Mortgage

Document Number	0000037688
Date	Jul 15, 2021
Instrument	2021-0037688

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	356 Months
Due	Mar 1, 2051

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 15, 2021
Property Address	86 LILLY WAY, WATSONVILLE, CA 95076-1916
Document Number	0000037689
Instrument Date	Feb 19, 2021
Instrument	2021-0037689
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	AMROCK LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	86 LILLY WAY, WATSONVILLE, CA 95076-1916

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	86 LILLY WAY, WATSONVILLE, CA 95076-1916
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031658
Date	Aug 19, 2020
Instrument	2020-0031658

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jul 4, 2050

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	86 LILLY WAY, WATSONVILLE, CA 95076-1916
Document Number	0000008522
Instrument Date	Mar 5, 2019
Transaction Type	Mortgage
Record Updated	Apr 18, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	86 LILLY WAY WATSONVILLE CA 950761916, WATSONVILLE, CA 95076-1916

Mortgage

Document Number	0000008522
Date	Apr 4, 2019
Instrument	8522

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 3, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 86 Lilly Way was $9,058 with a homeowner's exemption.

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		$747,119 (+2%) Land $395,543 Building $351,576
2025	$9,058.00 Homeowner's exemption	$732,470 Land $387,788 Building $344,682
2023	$7,991.00 (+1.85%) Homeowner's exemption	$704,027 Land $372,729 Building $331,298	$804,870
2022	$7,846.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 86 Lilly Way in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1978.

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
Flood Insurance Cost	Premium on File median of 16 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	7 (1978–2010)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Apr 2010 · other causes

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

Wildfire risk around 86 Lilly Way is low, with a 0.03% annual chance of 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	0.03% 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	SAN ANDREAS MUTUAL WATER CO private · serves 392 people · EPA ID CA4400558
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	2 ppb (2022–2024) 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Razzolink Fixed Wireless	500 / 250

May also be available: AT&T, Cruzio, GeoLinks.

Cell Coverage

5G and 4G LTE (outdoors only)

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