Santa Cruz County property record for 915 Smith Rd, Watsonville, CA 95076
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,409 sqft · built 1975 |
| Lot Size | 2.64 acres (115,216 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $875,000 (Jul 2007) |
| Tax Bill | $14,008 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 109-351-01 |
| Primary APN | 109-351-01 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Building Area | 2,409 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 115,216 sqft |
| Terrain | Steep |
| View / Lot | Ocean |
| Deck Area | 463 sqft |
| Patio Area | 463 sqft |
| Heating System | HVAC |
|---|---|
| Sewer | Septic |
| Street Address | 915 SMITH RD |
|---|---|
| City | WATSONVILLE |
| State | CA |
| Zip | 95076-9798 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | WATSONVILLE |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 122401 |
Source: Santa Cruz County assessment roll, 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 File |
|---|---|
| Mailing Address | 915 SMITH RD, WATSONVILLE, CA 95076-9798 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 20, 2007 · Amount on Record |
| Deed Sale | Jul 20, 2007 · Amount on Record |
| Prior Sale | Jun 20, 2005 · Amount on Record |
| Deed Document Number | 200739692 |
| Prior Transfer Date | Dec 21, 1998 |
| Prior Transfer Doc | 0000001230 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 915 SMITH RD, WATSONVILLE, CA 95076-9798 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2021 |
| Title Company | AMROCK TITLE CA INC, AMROCK TITLE CA |
| Name | Verified Name |
|---|---|
| Address | 915 SMITH RD, WATSONVILLE, CA 95076-9798 |
| Document Number | 0000042516 |
|---|---|
| Date | Aug 13, 2021 |
| Instrument | 2021-0042516 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,172,320 (+2%) Land $649,802 Building $522,518 | ||
| 2025 | $14,008.00 (+13.04%) Homeowner's exemption | $1,149,334 (+4.04%) Land $637,060 Building $512,274 | |
| 2023 | $12,392.00 (+1.82%) Homeowner's exemption | $1,104,702 Land $612,322 Building $492,380 | $961,380 |
| 2022 | $12,170.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 69% of the US · above 44% of California |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cruzio Internet Fixed Wireless | 1,000 / 1,000 |
| Razzolink Fixed Wireless | 500 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| Etheric Communications, LLC. Fixed Wireless | 250 / 100 |
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