990 Smith Rd, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 990 Smith Rd, Watsonville, CA 95076

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 4,141 sqft · built 1977
Lot Size	1.87 acres (81,501 sqft)
Owner	2 Individual Names on File
Last Sale	$1,200,000 (Nov 2020)
Tax Bill	$15,915 (2025)
Deeds & Mortgages	Jan 2021 Transfer Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`109-351-05`

Property Details

APN / Parcel Number

Primary APN	`109-351-05`
Alternative APNs	`109-351-05-000` `10911222000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	4,141 sqft Living Area
Gross Area	4,909 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1990
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Wood Shingle
Lot Area	81,501 sqft
Terrain	Steep
View / Lot	Ocean
Garage Type	Carport
Garage Area	400 sqft
Carport	Carport
Carport Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	612 sqft
Patio Area	612 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	990 SMITH RD
City	WATSONVILLE
State	CA
Zip	95076-9799
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RA
Legal Subdivision	PARCEL MAP
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1022
Census Tract	122401

Owner

Source: Santa Cruz County records · APN 109-351-05

Assessment roll updated August 19, 2026 · Last verified August 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	990 SMITH RD, WATSONVILLE, CA 95076-9799
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2021	Quit Claim Deed, Transfer ATTORNEY ONLY
Nov 13, 2020	Grant Deed, Transfer · Conventional Mortgage MASON MCDUFFIE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 13, 2020 · Amount on Record
Deed Sale	Nov 13, 2020 · Amount on Record
Prior Sale	Apr 27, 2005 · Amount on Record
Deed Document Number	202048173
Last Transfer Date	Dec 29, 2020
Transfer Doc	0000003695
Record Updated	Sep 20, 2026

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 22, 2021
Property Address	990 SMITH RD, WATSONVILLE, CA 95076-9799
Document Number	0000003695
Instrument Date	Dec 29, 2020
Instrument	3695
Transaction Type	Transfer
Record Updated	Feb 04, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	990 SMITH RD WATSONVILLE CA 950769799, WATSONVILLE, CA 95076-9799

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 13, 2020
Property Address	990 SMITH RD, WATSONVILLE, CA 95076-9799
Document Number	0000048173
Map Reference	VOL 13 PG 24
Instrument Date	Nov 05, 2020
Instrument	2020-0048173
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	104 GRANDVIEW TER, SANTA CRUZ, CA 95060-3158

Mortgage

Document Number	0000048174
Date	Nov 13, 2020
Instrument	2020-0048174

Lender

Name	MASON MCDUFFIE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2050

Tax Assessment & Valuation

Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,324,897 (+2%) Land $850,142 Building $474,755
2025	$15,915.00 (+11.15%) Homeowner's exemption	$1,298,919 (+4.04%) Land $833,473 Building $465,446
2024	$14,319.00 (+2.25%)
2023	$14,004.00 (+1.91%) Homeowner's exemption	$1,248,480 Land $801,108 Building $447,372	$1,150,200
2022	$13,741.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 10, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 26 locations within half a mile of this property.

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