13 Varni Rd, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 13 Varni Rd, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 770 sqft · built 1983
Lot Size	0.134 acres (5,837 sqft)
Owner	Individual Name on File
Tax Bill	$2,138 (2025)
Deeds & Mortgages	Feb 2026 Reverse Mortgage Aug 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`050-012-04`

Property Details

APN / Parcel Number

Primary APN	`050-012-04`
Alternative APN	`050-012-04-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	770 sqft Living Area
Gross Area	1,058 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	5,837 sqft (0.134 acres)
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	13 VARNI RD
City	WATSONVILLE
State	CA
Zip	95076-0749
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-9
Legal Subdivision	A050 01
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1000
Census Tract	123100

Owner

13 Varni Rd is owned and occupied by an individual who acquired it in September 1996.

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

Owner of Record	Individual Name on File
Mailing Address	13 VARNI RD, WATSONVILLE, CA 95076-0749
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
Feb 23, 2026	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Aug 27, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Aug 27, 2021	Intrafamily Transfer, Transfer AMROCK INC
May 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage PARAMOUNT EQUITY MORTGAGE LLC
Nov 18, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 17, 1996
Transfer Doc	0000066046
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	13 VARNI RD, WATSONVILLE, CA 95076-0749
Transaction Type	Mortgage
Record Updated	Mar 12, 2026
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 VARNI RD, WATSONVILLE, CA 95076-0749

Mortgage

Document Number	0000003839
Date	Feb 23, 2026
Instrument	2026-0003839

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	985 Months
Due	Mar 22, 2108

Interest

Rate Type	Adjustable Rate

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 27, 2021
Property Address	13 VARNI RD, WATSONVILLE, CA 95076-0749
Document Number	0000044482
Instrument Date	Aug 6, 2021
Instrument	2021-0044482
Transaction Type	Transfer
Record Updated	Sep 7, 2021
Title Company	AMROCK INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	13 VARNI RD, WATSONVILLE, CA 95076-0749

Mortgage

Document Number	0000044483
Date	Aug 27, 2021
Instrument	2021-0044483

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2036

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 27, 2021
Property Address	13 VARNI RD, WATSONVILLE, CA 95076-0749
Document Number	0000044484
Instrument Date	Aug 6, 2021
Instrument	2021-0044484
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	AMROCK INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	13 VARNI RD, WATSONVILLE, CA 95076-0749

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	13 VARNI RD, WATSONVILLE, CA 95076-0749
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NCS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016001
Date	May 15, 2017
Instrument	2017-0016001

Lender

Name	PARAMOUNT EQUITY MORTGAGE LLC
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2032

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 18, 2020
Property Address	13 VARNI RD, WATSONVILLE, CA 95076-0749
Document Number	0000049103
Instrument Date	Nov 17, 2020
Instrument	49103
Transaction Type	Transfer
Record Updated	Dec 3, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	13 VARNI RD WATSONVILLE CA 950760749, WATSONVILLE, CA 95076-0749

Tax Assessment & Valuation

The 2025 property tax bill for 13 Varni Rd was $2,138 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
Unified School District	Pajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$137,870 (+2%) Land $63,139 Building $74,731
2025	$2,138.00 Homeowner's exemption	$135,167 Land $61,901 Building $73,266
2023	$1,843.00 (+2.39%) Homeowner's exemption	$129,918 Land $59,497 Building $70,421	$574,740
2022	$1,800.00

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

Flood

FEMA maps place 13 Varni Rd in Zone X, an area of minimal flood risk.

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
Flood Insurance Cost	Premium on File median of 13 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	13 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

Wildfire risk around 13 Varni Rd is moderate, ranking above 42% of the US, with a 0.09% annual chance of 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.

Nearby Properties on Varni Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures