Santa Cruz County property record for 440 Marigold Ave, Freedom, CA 95019
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,715 sqft · built 1974 |
| Lot Size | 0.238 acres (10,367 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $3,945 (2025) |
| Deeds & Mortgages | Jan 2026 Second Mortgage Jan 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 019-861-14 |
| Primary APN | 019-861-14 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 2,715 sqft Living Area |
| Gross Area | 3,243 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Construction Type | Wood |
| Roof Type | Sawtooth |
| Roof Material | Composition Shingle |
| Lot Area | 10,367 sqft (0.238 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 440 MARIGOLD AVE |
|---|---|
| City | FREEDOM |
| State | CA |
| Zip | 95019-3120 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Lot Number | 45 |
| Jurisdiction | SANTA CRUZ CA |
| Township / Civil Division | WATSONVILLE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 110504 |
440 Marigold Ave is owner-occupied and held in a trust since September 2024.
Source: Santa Cruz County records, as of August 19, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 440 MARIGOLD AVE, FREEDOM, CA 95019-3120 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 7, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SOFI BANK NA |
| Jan 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Sep 5, 2019 | Deed of Trust, Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Sep 17, 2024 |
| Transfer Doc | 0000018511 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 440 MARIGOLD AVE, FREEDOM, CA 95019-3120 |
| Transaction Type | Mortgage |
| Record Updated | Jan 22, 2026 |
| Title Company | UNKNOWN, SILK TITLE AND ESCROW FT |
| Name | Verified Name |
|---|---|
| Address | 440 MARIGOLD AVE, FREEDOM, CA 95019-3120 |
| Document Number | 0000000292 |
|---|---|
| Date | Jan 7, 2026 |
| Instrument | 2026-0000292 |
| Name | SOFI BANK NA |
|---|---|
| Type | Bank |
| Address | SALT LAKE CITY, UT 84121 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jan 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 440 MARIGOLD AVE, FREEDOM, CA 95019-3120 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMROCK TITLE |
| Name | Verified Name |
|---|---|
| Address | 440 MARIGOLD AVE, FREEDOM, CA 95019-3120 |
| Document Number | 0000002259 |
|---|---|
| Date | Jan 14, 2021 |
| Instrument | 2021-0002259 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 238 Months |
| Due | Nov 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA CRUZ CA |
| Property Address | 440 MARIGOLD AVE, FREEDOM, CA 95019-3120 |
| Document Number | 0000026828 |
| Instrument Date | Sep 5, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 26, 2019 |
| Title Company | AMROCK TITLE CA INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 440 MARIGOLD AVE FREEDOM CA 950193120, FREEDOM, CA 95019-3120 |
| Document Number | 0000026828 |
|---|---|
| Date | Sep 10, 2019 |
| Instrument | 26828 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Amount | Amount on Record |
|---|---|
| Term | 240 Months |
| Due | Sep 9, 2039 |
The 2025 property tax bill for 440 Marigold Ave was $3,945 with a homeowner's exemption.
Source: Santa Cruz County assessment roll, as of August 19, 2026
| Type | Name |
|---|---|
| State | California |
| County | Santa Cruz County |
| Municipality | Watsonville City |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $310,942 (+2%) Land $88,763 Building $222,179 | ||
| 2025 | $3,945.00 Homeowner's exemption | $304,845 Land $87,022 Building $217,823 | |
| 2023 | $3,452.00 (+1.86%) Homeowner's exemption | $293,008 Land $83,643 Building $209,365 | $1,063,620 |
| 2022 | $3,389.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 440 Marigold Ave in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| 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.
The area around 440 Marigold Ave has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 269 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, T-Mobile, Verizon.
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