22 Monument Ave, Freedom, CA 95019 Property Records

Santa Cruz County property record for 22 Monument Ave, Freedom, CA 95019

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,721 sqft · built 1952
Lot Size	0.221 acres (9,627 sqft)
Owner	2 Company Names on Record
Tax Bill	$3,647 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jun 2026 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`048-011-02`

Property Details

APN / Parcel Number

Primary APN	`048-011-02`
Alternative APN	`048-011-02-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Building Area	2,721 sqft Living Area
Gross Area	3,161 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	9,627 sqft (0.221 acres)
Garage Type	Attached
Garage Area	440 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	22 MONUMENT AVE
City	FREEDOM
State	CA
Zip	95019-2740
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-6
Legal Description	MAP 000000 00000
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	2
Census Block	2000
Census Tract	110700

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	2 Company Names on Record
Mailing Address	22 MONUMENT AVE, FREEDOM, CA 95019-2740
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2026	Grant Deed, Transfer · Conventional Mortgage BAY FEDERAL CREDIT UNION
Jun 8, 2026	Grant Deed, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY
Jul 15, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Jul 15, 2021	Intrafamily Transfer, Transfer AMROCK INC, AMROCK LLC
Oct 17, 2017	Deed of Trust, Mortgage · Reverse Mortgage PLAZA HOME MORTGAGE INC
Oct 11, 2017	Deed of Trust, Mortgage COMMISSIONER OF HOUSING & URBA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 9, 2021
Transfer Doc	0000037616
Record Updated	Sep 20, 2026

June 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 8, 2026
Property Address	22 MONUMENT AVE, FREEDOM, CA 95019-2740
Document Number	0000012850
Instrument Date	Jun 1, 2026
Instrument	202612850
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 MONUMENT AVE, FREEDOM, CA 95019-2740

Mortgage

Document Number	0000012851,
Date	Jun 8, 2026
Instrument	202612851

Lender

Name	BAY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jun 8, 2026
Property Address	22 MONUMENT AVE, FREEDOM, CA 95019-2740
Document Number	0000012891
Instrument Date	Jun 1, 2026
Instrument	202612891
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	22 MONUMENT AVE, FREEDOM, CA 95019-2740

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 15, 2021
Property Address	22 MONUMENT AVE, FREEDOM, CA 95019-2740
Document Number	0000037616
Instrument Date	Jul 9, 2021
Instrument	2021-0037616
Transaction Type	Transfer
Record Updated	Sep 5, 2023
Title Company	AMROCK INC, AMROCK LLC

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
Address	22 MONUMENT AVE, FREEDOM, CA 95019-2740

Mortgage

Document Number	0000037617
Date	Jul 15, 2021
Instrument	2021-0037617

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Feb 1, 2051

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Jul 15, 2021
Property Address	22 MONUMENT AVE, FREEDOM, CA 95019-2740
Document Number	0000037618
Instrument Date	Jul 9, 2021
Instrument	2021-0037618
Transaction Type	Transfer
Record Updated	Sep 5, 2023
Title Company	AMROCK INC, AMROCK LLC

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	Living Trust
Address	22 MONUMENT AVE, FREEDOM, CA 95019-2740

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	22 MONUMENT AVE, FREEDOM, CA 95019-2740
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034815
Date	Oct 17, 2017
Instrument	2017-0034815

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92121

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	838 Months
Due	Aug 12, 2087

Interest

Rate Type	Adjustable Rate
Rate	4.55%
Type Change Date	Nov 1, 2018
Change Frequency	Annually
Index	1-Year LIBOR

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	22 MONUMENT AVE, FREEDOM, CA 95019-2740
Document Number	0000034816
Instrument Date	Oct 11, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	22 MONUMENT AVE FREEDOM CA 950192740, FREEDOM, CA 95019-2740

Mortgage

Document Number	0000034816
Date	Oct 17, 2017
Instrument	34816

Lender

Name	COMMISSIONER OF HOUSING & URBA
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Amount	Amount Recorded
Term	840 Months
Due	Oct 16, 2087

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		$100,886 (+2%) Land $12,267 Building $88,619
2025	$3,647.00 (+17.23%) Homeowner's exemption	$98,909 (+4.04%) Land $12,027 Building $86,882
2023	$3,111.00 (+5.82%) Homeowner's exemption	$95,068 Land $11,560 Building $83,508	$706,770
2022	$2,940.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · lower than 88% of California
Wildfire Likelihood	0.04% 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 244 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

May also be available: AT&T, Verizon.

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