261 Gaffey Rd, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 261 Gaffey Rd, Watsonville, CA 95076

Property Summary

Property Type	Recreational Vacant Land
Details	2 bd · 1 ba · 860 sqft · built 1974
Lot Size	14.6 acres (638,720 sqft)
Owner	Company Name on File
Last Sale	$280,000 (Nov 2017)
Tax Bill	$10,283 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Nov 2018 Mortgage + 8 more
Flood Zone	Zone X (minimal risk)
APN	`109-321-02`

Property Details

APN / Parcel Number

Primary APN	`109-321-02`
Alternative APN	`109-321-02-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	860 sqft Gross Area

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	638,720 sqft
Terrain	Steep
View / Lot	Ocean
Deck Area	108 sqft
Patio Area	108 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	261 GAFFEY RD
City	WATSONVILLE
State	CA
Zip	95076-9731
Property Category	Public Works
Property Type	Public Works > Recreational Vacant Land
Local Zoning Code	SU
Legal Subdivision	SALIPUEDES RHO
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1003
Census Tract	123300

Owner

261 Gaffey Rd, recreational vacant land, is owned by a company that bought it in November 2017.

Source: Santa Cruz County records, as of August 24, 2026

Owner of Record	Company Name on File
Mailing Address	138 VICTORIA LN, APTOS, CA 95003-3027
Owner Type	Company
Vesting	Company

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
Aug 27, 2021	Deed of Trust, Mortgage · SBA Mortgage PRIVATE BUSINESS CAPITAL
Nov 5, 2018	Deed of Trust, Mortgage · Commercial Mortgage COMPASS BANK
Aug 17, 2021	Deed of Trust, Mortgage PRIVATE BUSINESS CAPITAL
Aug 17, 2021	Deed of Trust, Mortgage PRIVATE BUSINESS CAPITAL
Apr 1, 2022	Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN
Jul 30, 2018	Deed of Trust, Mortgage HIF IV LENDERS LLC
Nov 22, 2017	Grant Deed, Transfer HALECYON HORIZONS INC
Nov 22, 2017	Grant Deed, Transfer LIFE IS AMAZING LLC
Oct 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage LIFE IS AMAZING LLC
Apr 3, 2017	Deed of Trust, Mortgage CREATIVE INV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 22, 2017 · Amount on File
Deed Sale	Nov 22, 2017 · Amount on File
Prior Sale	Dec 31, 1998 · Amount on File
Deed Document Number	201739350
Prior Transfer Date	Dec 28, 1998
Prior Transfer Doc	0000080607
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	261 GAFFEY RD, WATSONVILLE, CA 95076-9731
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000044454
Date	Aug 27, 2021
Instrument	2021-0044454

Lender

Name	PRIVATE BUSINESS CAPITAL
Type	Non-Lending Institution
Address	LA JOLLA, CA 92037

Agreement

Type	SBA Mortgage
Amount	Amount on Record

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	261 GAFFEY RD, WATSONVILLE, CA 95076-9731
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033234
Date	Nov 5, 2018
Instrument	2018-0033234

Lender

Name	COMPASS BANK
Type	Bank
Address	TEMECULA, CA 92591

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	261 GAFFEY RD, WATSONVILLE, CA 95076-9731
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NA, FIRST AMER TTL INS CO NATL C

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 VICTORIA LN, APTOS, CA 95003-3027

Mortgage

Document Number	0000042810
Date	Aug 17, 2021
Instrument	2021-0042810

Lender

Name	PRIVATE BUSINESS CAPITAL
Type	Non-Lending Institution
Address	LA JOLLA, CA 92037

Agreement

Amount	Amount on Record

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	261 GAFFEY RD, WATSONVILLE, CA 95076-9731
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NA, FIRST AMER TTL INS CO NATL C

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 VICTORIA LN, APTOS, CA 95003-3027

Mortgage

Document Number	0000042812
Date	Aug 17, 2021
Instrument	2021-0042812

Lender

Name	PRIVATE BUSINESS CAPITAL
Type	Non-Lending Institution
Address	LA JOLLA, CA 92037

Agreement

Amount	Amount on Record

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	261 GAFFEY RD, WATSONVILLE, CA 95076-9731
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3233 VALENCIA AVE B6, B6, APTOS, CA 95003-4127

Mortgage

Document Number	0000010523
Date	Apr 1, 2022
Instrument	2022-0010523

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	EL PASO, TX 79925

Agreement

Type	SBA Mortgage
Amount	Amount on Record

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	261 GAFFEY RD, WATSONVILLE, CA 95076-9731
Document Number	0000024003
Instrument Date	Jul 30, 2018
Transaction Type	Mortgage
Record Updated	Nov 21, 2018
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	138 VICTORIA LN APTOS CA 950033027, APTOS, CA 95003-3027

Mortgage

Document Number	0000024003
Date	Aug 6, 2018
Instrument	24003

Lender

Name	HIF IV LENDERS LLC

Agreement

Amount	Amount on Record
Term	24 Months
Due	Aug 5, 2020

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 22, 2017
Property Address	261 GAFFEY RD, WATSONVILLE, CA 95076-9731
Document Number	0000039350
Instrument Date	Nov 4, 2017
Instrument	39350
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	LAWYERS TITLE

Transaction

Amount	Amount on Record
Tax	$308.00
Amount Accuracy	Full Value
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	138 VICTORIA LN APTOS CA 950033027, APTOS, CA 95003-3027
Investor	Possibly a Property Investor

Mortgage

Document Number	39354
Date	Nov 22, 2017
Instrument	39354

Lender

Name	HALECYON HORIZONS INC
Address	PO BOX 1690, APTOS, CA 95001-1690

Agreement

Amount	Amount on Record

Mortgage

Document Number	39356,
Date	Nov 22, 2017
Instrument	39356

Lender

Name	LIFE IS AMAZING LLC
Address	4209 SEASHORE DR, NEWPORT BEACH, CA 92663-2939

Agreement

Amount	Amount on Record

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Nov 22, 2017
Property Address	261 GAFFEY RD, WATSONVILLE, CA 95076-9731
Document Number	0000039352
Instrument Date	Nov 4, 2017
Instrument	39352
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	LAWYERS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Amount Accuracy	Full Value
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	38 VICTORIA LN APTOS CA 95003, APTOS, CA 95003
Investor	Possibly a Property Investor

Mortgage

Document Number	39353
Date	Nov 22, 2017
Instrument	39353

Lender

Name	LIFE IS AMAZING LLC
Address	4209 SEASHORE DR, NEWPORT BEACH, CA 92663-2939

Agreement

Amount	Amount on Record

Mortgage

Document Number	39355,
Date	Nov 22, 2017
Instrument	39355

Lender

Name	SOON MIKE
Address	20932 SHELLFISH LN, HUNTINGTON BEACH, CA 92648-5260

Agreement

Amount	Amount on Record

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	261 GAFFEY RD, WATSONVILLE, CA 95076-9731
Document Number	0000039351
Instrument Date	Oct 26, 2017
Transaction Type	Mortgage
Record Updated	Dec 12, 2017
Title Company	LAWYERS TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	138 VICTORIA LN APTOS CA 950033027, APTOS, CA 95003-3027

Mortgage

Document Number	0000039351
Date	Nov 22, 2017
Instrument	39351

Lender

Name	LIFE IS AMAZING LLC
Address	4209 SEASHORE DR, NEWPORT BEACH, CA 92663-2939

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	261 GAFFEY RD, WATSONVILLE, CA 95076-9731
Document Number	0000012057
Instrument Date	Apr 3, 2017
Transaction Type	Mortgage
Record Updated	Apr 27, 2017
Title Company	WFG TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	261 GAFFEY RD WATSONVILLE CA 950769731, WATSONVILLE, CA 95076-9731

Mortgage

Document Number	0000012057
Date	Apr 12, 2017
Instrument	12057

Lender

Name	CREATIVE INV
Type	MERS
Address	BURBANK, CA 91506

Agreement

Amount	Amount on Record
Term	84 Months
Due	Apr 11, 2024

Tax Assessment & Valuation

The 2025 property tax bill for 261 Gaffey Rd was $10,283, up 7.8% from the year before.

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
2026		$870,440 (+2%) Land $754,381 Building $116,059
2025	$10,283.00 (+7.83%)	$853,372 Land $739,589 Building $113,783
2024	$9,536.00 (+1.6%)
2023	$9,386.00 (+1.83%)	$820,235 Land $710,870 Building $109,365
2022	$9,217.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 261 Gaffey Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2022.

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 26 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	26 in force
Nearby Flood Claims	2 (2022–2023)
Most Recent Claim	Mar 2023 · Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides

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 261 Gaffey Rd is high, ranking above 75% of the US, with a 0.4% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 75% of the US · above 51% of California
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cruzio Fixed Wireless	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
Etheric Networks Fixed Wireless	250 / 100

May also be available: Verizon.

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