91 School Way, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 91 School Way, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,277 sqft · built 1966
Lot Size	0.51 acres (22,216 sqft)
Owner	2 Individual Names on File
Last Sale	$739,000 (Nov 2016)
Tax Bill	$10,594 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`109-101-19`

Property Details

APN / Parcel Number

Primary APN	`109-101-19`
Alternative APN	`109-101-19-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Building Area	3,277 sqft Living Area
Gross Area	3,733 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	22,216 sqft (0.51 acres)
Terrain	Steep
View / Lot	Mountain
Garage Type	Attached
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces
Deck Area	650 sqft
Patio Area	650 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	89 SCHOOL WAY
City	WATSONVILLE
State	CA
Zip	95076-9708
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Subdivision	RANCHO DE LOS CORRALITOS
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1022
Census Tract	122401

Owner

91 School Way is owned and occupied by two individuals who bought it in November 2016.

Source: Santa Cruz County records, as of August 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	89 SCHOOL WAY, WATSONVILLE, CA 95076-9708
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Aug 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage SYNERGY ONE LENDING
Aug 16, 2017	Deed of Trust, Mortgage · Conventional Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 9, 2016 · Amount on File
Deed Sale	Nov 9, 2016 · Amount on File
Prior Sale	Aug 25, 2011 · Amount on File
Deed Document Number	201644126
Prior Transfer Date	Oct 21, 2009
Prior Transfer Doc	0000050592
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	91 SCHOOL WAY, WATSONVILLE, CA 95076
Transaction Type	Mortgage
Record Updated	Aug 19, 2022
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 SCHOOL WAY, WATSONVILLE, CA 95076-9708

Mortgage

Document Number	0000040693
Date	Aug 3, 2021
Instrument	2021-0040693

Lender

Name	SYNERGY ONE LENDING
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	91 SCHOOL WAY, WATSONVILLE, CA 95076
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027048
Date	Aug 16, 2017
Instrument	2017-0027048

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 91 School Way was $10,594 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		$874,826 (+2%) Land $656,120 Building $218,706
2025	$10,594.00 Homeowner's exemption	$857,672 Land $643,254 Building $214,418
2023	$9,358.00 (+1.68%) Homeowner's exemption	$824,368 Land $618,276 Building $206,092	$850,320
2022	$9,203.00

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

Flood

FEMA maps place 91 School Way in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1996.

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	5 in force
Nearby Flood Claims	2 (1996–2023)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 2023 · Severe Storm And Flooding

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 91 School Way is moderate, ranking above 57% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 57% of the US · lower than 66% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 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

Cell Coverage

5G and 4G LTE (outdoors only)

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