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55 Gardner Ave, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 55 Gardner Ave, Watsonville, CA 95076 · Last verified August 2026

Property Summary

Property TypeMulti-Family Dwellings
Details3 bd · 2 ba · 880 sqft · built 1978
Lot Size0.413 acres (17,990 sqft)
OwnerCompany Name on File
Tax Bill$3,838 (2025)
Deeds & MortgagesFeb 2018 Mortgage
Aug 2019 Line of Credit
+ 1 more
Flood ZoneZone X (minimal risk)
APN019-291-21

Property Details

APN / Parcel Number

Primary APN019-291-21
Alternative APN
  • 019-291-21-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Building Area880 sqft

Exterior

Year BuiltBuilt 1978
Effective Year BuiltEffective 1978
Architectural StyleMulti-Family
Construction TypeWood
Roof MaterialWood Shingle
Lot Area17,990 sqft (0.413 acres)
Garage TypeAttached
Garage Area880 sqft
Parking Spaces4 Parking Spaces

Utilities, Heating & Cooling

Heating SystemHVAC
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address55 GARDNER AVE
CityWATSONVILLE
StateCA
Zip95076-2103
Property CategoryResidential
Property TypeResidential > Multi-Unit > Multi-Family Dwellings
Legal DescriptionMAP 24 PG 66 LOT D
Legal Lot NumberD
JurisdictionSANTA CRUZ CA
Township / Civil DivisionWATSONVILLE
Census Block Group1
Census Block1011
Census Tract110504

Owner

Source: Santa Cruz County records · APN 019-291-21

Assessment roll updated August 19, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on File
Mailing AddressPO BOX 358, WATSONVILLE, CA 95077-0358
Owner TypeCompany
VestingTrust

Deeds, Mortgages & Sale History

DateDocument
Feb 01, 2018Deed of Trust, Mortgage · Commercial Mortgage
CALIFORNIA COASTAL RURAL DEVELOPMENT COR
Aug 09, 2019Deed of Trust, Mortgage · Line of Credit
FIRST AMERICAN TITLE INSURANCE
Apr 12, 2019Trustee's Deed, Construction Loan · Construction Mortgage
FARM CREDIT SVCS

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last Transfer DateAug 24, 2007
Transfer Doc0000056966
Record UpdatedSep 20, 2026

February 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address55 GARDNER AVE, WATSONVILLE, CA 95076-2103
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyCHICAGO TI SIMPLIF

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000003308
DateFeb 01, 2018
Instrument2018-0003308
Lender
NameCALIFORNIA COASTAL RURAL DEVELOPMENT COR
TypeNon-Lending Institution
AddressSALINAS, CA 93901
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

August 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA CRUZ CA
Property Address55 GARDNER AVE, WATSONVILLE, CA 95076-2103
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyFIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000022932
DateAug 09, 2019
Instrument2019-0022932
Lender
NameFIRST AMERICAN TITLE INSURANCE
TypeInsurance Company
AddressWATSONVILLE, CA 95076
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

April 2019: Trustee's Deed, Construction Loan

Document TypeTrustee's Deed
JurisdictionSANTA CRUZ CA
Recording DateApr 12, 2019
Property Address55 GARDNER AVE, WATSONVILLE, CA 95076-2103
Instrument DateApr 12, 2019
Instrument9397
Transaction TypeConstruction Loan
Record UpdatedApr 24, 2019
Title CompanyFARM SERVICE AGENCY, FARM SERVICE AGCY

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 358 WATSONVILLE CA 950770358, WATSONVILLE, CA 95077-0358

Mortgage

Document Number0000009397
DateApr 12, 2019
Instrument9397
Lender
NameFARM CREDIT SVCS
TypeFunding / Finance Company
Address744 LA GUARDIA ST # A, SALINAS, CA 93905-3358
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term12 Months
DueApr 11, 2020

Tax Assessment & Valuation

Source: Santa Cruz County records · Assessment roll updated August 19, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySanta Cruz County
MunicipalityWatsonville City
Unified School DistrictPajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed Value
2026$278,008 (+2%) Land $43,132 Building $234,876
2025$3,838.00 (+13.92%)$272,557 (+4.04%) Land $42,286 Building $230,271
2023$3,369.00 (+1.94%)$261,973 Land $40,644 Building $221,329
2022$3,305.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Cruz County (06087C), updated July 10, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060871105041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies1 in force

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 616 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
SpectrumCable1,000 / 1,000
Cruzio InternetFixed Wireless (unlicensed)1,000 / 1,000
RazzolinkFixed Wireless (unlicensed)500 / 250
Etheric Communications, LLC.Fixed Wireless (licensed-by-rule)250 / 100
AT&TDSL100 / 20

May also be available at this address: AT&T, T-Mobile USA, Verizon, California Internet, Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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