91 Lawrence Ave, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 91 Lawrence Ave, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,294 sqft · built 1968
Lot Size	0.221 acres (9,627 sqft)
Owner	2 Individual Names on Record
Last Sale	$281,000 (May 2012)
Tax Bill	$4,633 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Mar 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`015-055-01`

Property Details

APN / Parcel Number

Primary APN	`015-055-01`
Alternative APN	`015-055-01-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,294 sqft Living Area
Gross Area	1,704 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	9,627 sqft (0.221 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	410 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	91 LAWRENCE AVE
City	WATSONVILLE
State	CA
Zip	95076-2928
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 472 LOT 20
Legal Subdivision	GREEN VLY ESTATES S 03 UN 02 TR 472
Legal Tract	472
Legal Lot Number	20
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1010
Census Tract	110602

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	91 LAWRENCE AVE, WATSONVILLE, CA 95076-2928
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2026	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Mar 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage CATALYST MORTGAGE
Aug 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2012 · Amount on Record
Deed Sale	May 10, 2012 · Amount on Record
Prior Sale	Aug 5, 2011 · Amount on Record
Deed Document Number	201222710
Last Transfer Date	Dec 11, 2015
Transfer Doc	0000050771
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	91 LAWRENCE AVE, WATSONVILLE, CA 95076-2928
Transaction Type	Mortgage
Record Updated	Mar 30, 2026
Title Company	STEWART TITLE ELKO, STEWART TITLE ST LOUIS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 LAWRENCE AVE, WATSONVILLE, CA 95076-2928

Mortgage

Document Number	0000005053
Date	Mar 9, 2026
Instrument	2026-0005053

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 6, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	91 LAWRENCE AVE, WATSONVILLE, CA 95076-2928
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	GRAME COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009269
Date	Mar 28, 2018
Instrument	2018-0009269

Lender

Name	CATALYST MORTGAGE
Type	Mortgage Company
Address	SACRAMENTO, CA 95815

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	91 LAWRENCE AVE, WATSONVILLE, CA 95076-2928
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CALATLANTIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030765
Date	Aug 13, 2020
Instrument	2020-0030765

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	91 LAWRENCE AVE, WATSONVILLE, CA 95076-2928
Document Number	0000029695
Instrument Date	Sep 24, 2019
Transaction Type	Mortgage
Record Updated	Oct 18, 2019
Title Company	CALATLANTIC TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	91 LAWRENCE AVE WATSONVILLE CA 950762928, WATSONVILLE, CA 95076-2928

Mortgage

Document Number	0000029695
Date	Sep 30, 2019
Instrument	29695

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 29, 2049

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		$360,012 (+2%) Land $216,520 Building $143,492
2025	$4,633.00 (+12.15%)	$352,952 (+4.04%) Land $212,274 Building $140,678
2024	$4,131.00 (+1.52%)
2023	$4,069.00 (+1.8%)	$339,246 Land $204,030 Building $135,216	$511,740
2022	$3,997.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 565 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile, Verizon.

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