27 Gardner Ave, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 27 Gardner Ave, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 798 sqft · built 1941
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$398,000 (Sep 2017)
Tax Bill	$5,879 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Sep 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`019-263-29`

Property Details

APN / Parcel Number

Primary APN	`019-263-29`
Alternative APNs	`019-263-29-000` `01926304000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	798 sqft Living Area
Gross Area	1,078 sqft

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	280 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	27 GARDNER AVE
City	WATSONVILLE
State	CA
Zip	95076-2103
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	C B MAGEES 01
Legal Lot Number	8
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1011
Census Tract	110504

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	27 GARDNER AVE, WATSONVILLE, CA 95076-2103
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage PLANET HOME LENDING LLC
Sep 30, 2019	Quit Claim Deed, Transfer · Conventional with PMI PLANET HM LNDG
Sep 21, 2017	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Sep 21, 2017	Grant Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2017 · Amount on Record
Deed Sale	Sep 21, 2017 · Amount on Record
Deed Document Number	201731529
Last Transfer Date	Sep 24, 2019
Transfer Doc	0000029706
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	27 GARDNER AVE, WATSONVILLE, CA 95076-2103
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27 GARDNER AVE, WATSONVILLE, CA 95076-2103

Mortgage

Document Number	0000039784
Date	Oct 2, 2020
Instrument	2020-0039784

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

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

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 30, 2019
Property Address	27 GARDNER AVE, WATSONVILLE, CA 95076-2103
Document Number	0000029706
Instrument Date	Sep 24, 2019
Instrument	29706
Transaction Type	Transfer
Record Updated	Oct 18, 2019
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	27 GARDNER AVE WATSONVILLE CA 950762103, WATSONVILLE, CA 95076-2103

Mortgage

Document Number	29707
Date	Sep 30, 2019
Instrument	29707

Lender

Name	PLANET HM LNDG
Address	MERIDEN, CT 06450

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 29, 2049

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 21, 2017
Property Address	27 GARDNER AVE, WATSONVILLE, CA 95076-2103
Document Number	0000031530
Instrument Date	Sep 15, 2017
Instrument	31530
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	27 GARDNER AVE WATSONVILLE CA 950762103, WATSONVILLE, CA 95076-2103
Investor	Possibly a Property Investor

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 21, 2017
Property Address	27 GARDNER AVE, WATSONVILLE, CA 95076-2103
Document Number	0000031529
Map Reference	VOL25 PG18
Instrument Date	Sep 6, 2017
Instrument	2017-0031529
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27 GARDNER AVE, WATSONVILLE, CA 95076-2103
Investor	Possibly a Property Investor

Mortgage

Document Number	0000031531
Date	Sep 21, 2017
Instrument	2017-0031531

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Municipality	Watsonville City
Unified School District	Pajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$461,913 (+2%) Land $323,339 Building $138,574
2025	$5,879.00 (+13.45%)	$452,856 (+4.04%) Land $316,999 Building $135,857
2023	$5,182.00 (+1.79%)	$435,271 Land $304,690 Building $130,581	$449,640
2022	$5,091.00

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	1 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	Not rated no burnable land within ember reach

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
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: GeoLinks, T-Mobile, Verizon, Xfinity.

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