972 McKenzie Ave, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 972 McKenzie Ave, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,229 sqft · built 1977
Lot Size	0.149 acres (6,490 sqft)
Owner	Individual Name on Record
Last Sale	$580,000 (Mar 2021)
Tax Bill	$8,061 (2025)
Deeds & Mortgages	Feb 2024 Second Mortgage Dec 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`017-424-07`

Property Details

APN / Parcel Number

Primary APN	`017-424-07`
Alternative APN	`017-424-07-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Building Area	2,229 sqft Living Area
Gross Area	2,629 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 2000
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,490 sqft (0.149 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	972 MCKENZIE AVE
City	WATSONVILLE
State	CA
Zip	95076-3528
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	VILLAGE EST, UNIT 2
Legal Lot Number	45
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1013
Census Tract	110101

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	Individual Name on Record
Mailing Address	972 MCKENZIE AVE, WATSONVILLE, CA 95076-3528
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PLANET HOME LENDING LLC
Dec 22, 2021	Deed of Trust, Mortgage · Line of Credit FREMONT BANK
Mar 16, 2021	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 16, 2021 · Amount on Record
Deed Sale	Mar 16, 2021 · Amount on Record
Deed Document Number	202115476
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	972 MCKENZIE AVE, WATSONVILLE, CA 95076-3528
Transaction Type	Mortgage
Record Updated	Feb 28, 2024
Title Company	NOT AVAILABLE, SOURCEPOINT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 KENNAN ST B, B, SANTA CRUZ, CA 95060-2810

Mortgage

Document Number	0000002836
Date	Feb 15, 2024
Instrument	2024-0002836

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	364 Months
Due	Jun 1, 2054

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	972 MCKENZIE AVE, WATSONVILLE, CA 95076-3528
Transaction Type	Mortgage
Record Updated	Jan 4, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 SEASCAPE RIDGE DR, APTOS, CA 95003-5888

Mortgage

Document Number	0000061755
Date	Dec 22, 2021
Instrument	2021-0061755

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 20, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Mar 16, 2021
Property Address	972 MCKENZIE AVE, WATSONVILLE, CA 95076-3528
Document Number	0000015476
Map Reference	VOL 60 PG 1
Instrument Date	Mar 10, 2021
Instrument	2021-0015476
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$638.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	972 MCKENZIE AVE, WATSONVILLE, CA 95076-3528

Mortgage

Document Number	0000015477
Date	Mar 16, 2021
Instrument	2021-0015477

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

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		$722,681 (+15.11%) Land $469,234 Building $253,447
2025	$8,061.00 (+11.34%)	$627,811 (+4.04%) Land $460,034 Building $167,777
2024	$7,240.00 (+1.53%)
2023	$7,131.00 (+1.77%)	$603,432 Land $442,170 Building $161,262	$611,370
2022	$7,007.00

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
Nearest Special Flood Hazard Area	Zone AH, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 88 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	88 in force
Nearby Flood Claims	3 (2022–2023)
Most Recent Claim	Mar 2023 · Severe Storm And Flooding
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 2 claims

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	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 304 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, Verizon, Xfinity.

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