31 Gardner Ave, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 31 Gardner Ave, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 832 sqft · built 1941
Lot Size	0.152 acres (6,621 sqft)
Owner	Individual Name on Record
Last Sale	$560,000 (Jan 2023)
Tax Bill	$7,497 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Jan 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`019-263-28`

Property Details

APN / Parcel Number

Primary APN	`019-263-28`
Alternative APNs	`019-263-28-000` `01926305000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	832 sqft Living Area

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1970
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,621 sqft (0.152 acres)

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	31 GARDNER AVE
City	WATSONVILLE
State	CA
Zip	95076-2103
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9
Legal Subdivision	C B MAGEES 01
Legal Lot Number	9
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	31 GARDNER AVE, WATSONVILLE, CA 95076-2103
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2024	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jan 5, 2023	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 5, 2023 · Amount on Record
Deed Sale	Jan 5, 2023 · Amount on Record
Prior Sale	Jul 1, 1997
Deed Document Number	2023216
Prior Transfer Date	May 14, 1997
Prior Transfer Doc	0000022628
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	31 GARDNER AVE, WATSONVILLE, CA 95076-2103
Transaction Type	Mortgage
Record Updated	May 17, 2024
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 GARDNER AVE, WATSONVILLE, CA 95076-2103

Mortgage

Document Number	0000007117
Date	Apr 17, 2024
Instrument	2024-0007117

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

January 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Jan 5, 2023
Property Address	31 GARDNER AVE, WATSONVILLE, CA 95076-2103
Document Number	0000000216
Map Reference	VOL 25 PG 18
Instrument Date	Jan 3, 2023
Instrument	2023-0000216
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$616.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 GARDNER AVE, WATSONVILLE, CA 95076-2103

Mortgage

Document Number	0000000217
Date	Jan 5, 2023
Instrument	2023-0000217

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

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		$594,276 (+2%) Land $475,421 Building $118,855
2025	$7,497.00 (+147.26%)	$582,624 (+133.21%) Land $466,099 Building $116,525
2023	$3,032.00 (+4.66%)	$249,832 Land $154,476 Building $95,356	$491,940
2022	$2,897.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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