97 Herman Ave, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 97 Herman Ave, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,506 sqft · built 1963
Lot Size	0.173 acres (7,536 sqft)
Owner	Individual Name on File
Tax Bill	$1,213 (2025)
Deeds & Mortgages	Sep 2021 Reverse Mortgage Dec 2017 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`015-051-01`

Property Details

APN / Parcel Number

Primary APN	`015-051-01`
Alternative APN	`015-051-01-000`

Interior

Full Baths	2 Baths
Building Area	1,506 sqft Living Area
Gross Area	1,906 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	7,536 sqft (0.173 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	97 HERMAN AVE
City	WATSONVILLE
State	CA
Zip	95076-2900
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	236 GREEN VLY ESTATES SUB 1
Legal Lot Number	40
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1012
Census Tract	110602

Owner

97 Herman Ave is owned and occupied by an individual who acquired it in March 2016.

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

Owner of Record	Individual Name on File
Mailing Address	97 HERMAN AVE, WATSONVILLE, CA 95076-2900
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 30, 2021	Deed of Trust, Mortgage · Reverse Mortgage ADVISORS MORTGAGE GROUP LLC
Dec 21, 2017	Deed of Trust, Mortgage · Reverse Mortgage ADVISORS MORTGAGE GROUP LLC
Dec 15, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 17, 2016
Transfer Doc	0000010577
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	97 HERMAN AVE, WATSONVILLE, CA 95076-2900
Transaction Type	Mortgage
Record Updated	Oct 12, 2021
Title Company	PACIFIC COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 HERMAN AVE, WATSONVILLE, CA 95076-2900

Mortgage

Document Number	0000049695
Date	Sep 30, 2021
Instrument	2021-0049695

Lender

Name	ADVISORS MORTGAGE GROUP LLC
Type	Mortgage Company
Address	ASBURY PARK, NJ 07712

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	2.82%
Type Change Date	Nov 1, 2021
Change Frequency	Monthly
Index	1-Year CMT

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	97 HERMAN AVE, WATSONVILLE, CA 95076-2900
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	CONSUMERS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000043340
Date	Dec 21, 2017
Instrument	2017-0043340

Lender

Name	ADVISORS MORTGAGE GROUP LLC
Type	Mortgage Company
Address	ASBURY PARK, NJ 07712

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.7%
Type Change Date	Jan 1, 2019
Change Frequency	Annually
Index	1-Year LIBOR

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	97 HERMAN AVE, WATSONVILLE, CA 95076-2900
Document Number	0000043341
Instrument Date	Dec 15, 2017
Transaction Type	Mortgage
Record Updated	Jan 30, 2018
Title Company	CONSUMERS TITLE COMPANY, CONSUMERS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 HERMAN AVE WATSONVILLE CA 950762900, WATSONVILLE, CA 95076-2900

Mortgage

Document Number	0000043341
Date	Dec 21, 2017
Instrument	43341

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.7%

Tax Assessment & Valuation

The 2025 property tax bill for 97 Herman Ave was $1,213 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
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		$87,560 (+2%) Land $22,526 Building $65,034
2025	$1,213.00 Homeowner's exemption	$85,843 Land $22,084 Building $63,759
2023	$1,011.00 (+2.02%) Homeowner's exemption	$82,509 Land $21,226 Building $61,283	$674,550
2022	$991.00

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

Flood

FEMA maps place 97 Herman Ave in Zone X, an area of minimal flood risk.

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

The area around 97 Herman Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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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