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Single Family ResidenceResidential
$937,393$809 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

55 RANCHO RD

WATSONVILLE, CA 95076
3
Beds
1
Baths
1,159 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.26 ac
Lot SizeThe size of the land the home sits on, from county records.
1940
Year BuiltThe year the home was originally built, according to county records.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$937K
$868K low$1M high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$850,330
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$680,264
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.11%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$87,063
JPMORGAN CHASE BANK NA · recorded Feb 24, 2011

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,687 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$260,837 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$164,460
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$96,377
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$255,722
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,014,030

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.34
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
62
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
19
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
46
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
46
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountySANTA CRUZ
Lot (acres)The size of the land the home sits on, from county records.0.26
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Floor/Wall Furnace
CoolingThe type of cooling or air conditioning in the home.Wall Unit
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 68 ft²Patio · 68 ft²

Transaction History(4)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Calabasas ElementaryC-
Elementary · Grades KG–6 · 1.8 mi
H
Aptos High SchoolA-
High · Grades 9–12 · 4.3 mi
M
Aptos Junior HighC
Middle · Grades 7–8 · 5.0 mi

District: Pajaro Valley Joint Unified School District

Neighborhood · ZIP 95076These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.79
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.510

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.15%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.9%
PopulationHow many people live in this area.83,352
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.573 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$82,517
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$113,801
Average tempThe average temperature here across a full year.57°F
Annual precipHow much rain and melted snow falls here in a typical year.23 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.74%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

55 Rancho Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 74% of homes in Watsonville 95076
  • Costs more per square foot than 92% of homes in Watsonville 95076
  • Smaller than 75% of homes in Watsonville 95076
  • Has a bigger lot than 73% of homes in Santa Cruz County
  • Older than 86% of homes in Watsonville 95076

What homes are worth in Watsonville 95076

Each bar is how many homes fall in that price range. The marker is this home.

This home
$390K$2.2M

This home is worth more than 74% of homes in Watsonville 95076.

How it measures up in Watsonville 95076

The dot is this home. The mark in the middle is the typical home in Watsonville 95076.

Estimated value$937,393
CheaperTypical $742,264Pricier

Pricier than 74% of homes nearby

Price per ft²$809
CheaperTypical $494Pricier

Pricier than 92% of homes nearby

Living area1,159 ft²
SmallerTypical 1,518 ft²Bigger

Bigger than 25% of homes nearby

Lot size0.26 ac
SmallerTypical 0.17 acBigger

Bigger than 68% of homes nearby

Year built1940
OlderTypical 1973Newer

Newer than 14% of homes nearby

How 55 Rancho Rd ranks against every home in each area.
MeasureThis homeWatsonville 95076Santa Cruz County
Estimated valuepricier than$937,39374% of homes40% of homes
Price per ft²pricier than$80992% of homes72% of homes
Living areabigger than1,159 ft²25% of homes25% of homes
Lot sizebigger than0.26 ac68% of homes73% of homes
Year builtnewer than194014% of homes14% of homes

About 55 Rancho Rd

How much is 55 Rancho Rd, Watsonville, CA worth?

The TopHap Estimate for 55 Rancho Rd, Watsonville, CA is $937,393 as of Jul 14, 2026. The likely range is $867,848 to $1,006,938. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 55 Rancho Rd, Watsonville, CA last sell?

55 Rancho Rd, Watsonville, CA last sold on Jan 1, 1900, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 55 Rancho Rd, Watsonville, CA?

55 Rancho Rd, Watsonville, CA has 3 bedrooms, 1 bathrooms, 1,159 square feet of living space and a 0.26-acre lot.

When was 55 Rancho Rd, Watsonville, CA built?

55 Rancho Rd, Watsonville, CA was built in 1940, making it 86 years old.

What schools serve 55 Rancho Rd, Watsonville, CA?

55 Rancho Rd, Watsonville, CA is assigned to Calabasas Elementary (elementary), rated C-; Aptos High School (high), rated A-; Aptos Junior High (middle), rated C. All sit in Pajaro Valley Joint Unified School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 55 Rancho Rd, Watsonville, CA compare to other homes in Watsonville 95076?

Among the 16,208 homes in Watsonville 95076, it is worth more than 74% of them ($937,393 against a typical $742,264), its price per square foot is higher than 92% of them ($809 against a typical $494), it is bigger than 25% of them (1,159 ft² against a typical 1,518 ft²), its lot is bigger than 68% of them (0.26 ac against a typical 0.17 ac) and it is newer than 14% of them (1940 against a typical 1973). Measured against all of Santa Cruz County, it is worth more than 40% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 55 Rancho Rd, Watsonville, CA?

The 2025 property tax bill for 55 Rancho Rd, Watsonville, CA was $3,687. The county assessed it at $260,837.

Closest homes

More homes in Watsonville 95076

Assigned schools

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