12 Varni Rd, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 12 Varni Rd, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 756 sqft · built 1937
Lot Size	0.216 acres (9,409 sqft)
Owner	Individual Name on Record
Last Sale	$191,000 (Nov 2010)
Tax Bill	$3,689 (2025)
Deeds & Mortgages	May 2019 Mortgage Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`108-221-27`

Property Details

APN / Parcel Number

Primary APN	`108-221-27`
Alternative APN	`108-221-27-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	756 sqft Living Area
Gross Area	1,524 sqft

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1937
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	9,409 sqft (0.216 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12 VARNI RD
City	WATSONVILLE
State	CA
Zip	95076-0768
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-9
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1006
Census Tract	122402

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	12 VARNI RD, WATSONVILLE, CA 95076-0768
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage BAY FCU
Nov 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 19, 2010 · Amount on Record
Deed Sale	Nov 19, 2010 · Amount on Record
Prior Sale	Nov 19, 2010 · Amount on Record
Deed Document Number	201048205
Prior Transfer Date	Nov 11, 2010
Prior Transfer Doc	0000048204
Record Updated	Sep 20, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	12 VARNI RD, WATSONVILLE, CA 95076-0768
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012820
Date	May 14, 2019
Instrument	2019-0012820

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	12 VARNI RD, WATSONVILLE, CA 95076-0768
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	BOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 VARNI HRD, WATSONVILLE, CA 95076

Mortgage

Document Number	0000045478
Date	Nov 2, 2020
Instrument	2020-0045478

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

Source: Santa Cruz County assessment roll, as of August 19, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$249,602 (+2%) Land $112,321 Building $137,281
2025	$3,689.00 (+11.08%) Homeowner's exemption	$244,708 (+4.04%) Land $110,119 Building $134,589
2023	$3,321.00 (+2.44%) Homeowner's exemption	$235,206 Land $105,843 Building $129,363	$393,660
2022	$3,242.00

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	6 in force

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	Moderate above 42% of the US · lower than 75% of California
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

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 144 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
Etheric Networks Fixed Wireless	250 / 100

May also be available: Cruzio, Verizon.

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