905 E Lake Ave, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 905 E Lake Ave, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,400 sqft · built 1949
Lot Size	0.179 acres (7,797 sqft)
Owner	2 Individual Names on Record
Last Sale	$170,000 (Mar 1998)
Tax Bill	$3,529 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`019-083-18`

Property Details

APN / Parcel Number

Primary APN	`019-083-18`
Alternative APN	`019-083-18-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	1,400 sqft Living Area
Gross Area	1,688 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	7,797 sqft (0.179 acres)
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	905 E LAKE AVE
City	WATSONVILLE
State	CA
Zip	95076-3403
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	JOY & MAHERS
Legal Lot Number	8,9
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2012
Census Tract	110202

Owner

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	905 E LAKE AVE, WATSONVILLE, CA 95076-3403
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2022	Deed of Trust, Mortgage · Line of Credit BAY FCU
Feb 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage BAY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 1998 · Amount on Record
Deed Sale	Mar 11, 1998 · Amount on Record
Deed Document Number	199811851
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	905 E LAKE AVE, WATSONVILLE, CA 95076-3403
Transaction Type	Mortgage
Record Updated	Aug 8, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	905 E LAKE AVE B, B, WATSONVILLE, CA 95076-3403

Mortgage

Document Number	0000021974
Date	Jul 29, 2022
Instrument	2022-0021974

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	302 Months
Due	Sep 15, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	905 E LAKE AVE, WATSONVILLE, CA 95076-3403
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FATC SALINAS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007037
Date	Feb 28, 2020
Instrument	2020-0007037

Lender

Name	BAY FCU
Type	Credit Union
Address	WATSONVILLE, CA 95076

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Municipality	Watsonville City
Unified School District	Pajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$276,886 (+2%) Land $154,728 Building $122,158
2025	$3,529.00 (+14.58%) Homeowner's exemption	$271,457 (+4.04%) Land $151,694 Building $119,763
2023	$3,080.00 (+1.85%) Homeowner's exemption	$260,916 Land $145,804 Building $115,112	$604,980
2022	$3,024.00

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force

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	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.

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 1,034 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
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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