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20 Gonda St, Watsonville, CA, 95076

6beds
3baths
1,645sqft
$739,000
$449price/sqft
$5,184/moest. monthly cost
$207,360/yrincome needed

About This Home

Own a steady investment property in the heart of Pajaro on a quiet street. Your tenants will enjoy mature avocado trees, privacy, and gated yards with ample parking. The separate units include a 3bed/1bath home in front and the building plus garage/storage in the back. One unit is newer and shows nicely. The has been 0% Vacancy for many years. Don't miss this opportunity in a vibrant community where the soil is rich but your assets grow richer! Please do not disturb tenants.

Getting Around

71
WalkingVery Walkable
35
TransitSome Transit
74
BikeVery Bikeable

Schools

4/10
Ohlone Elementary SchoolGrades K-52.6 mi
2/10
Pajaro Middle SchoolGrades 6-80.4 mi
4/10
Watsonville High SchoolGrades 9-120.6 mi

Construction

Condition

  • Year built: 1926

Materials

  • Foundation: Raised,Slab
  • Roof: Composition

Type & Style

  • Home type: MultiFamily
  • Property subType: Duplex,Residential Income

Interior

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 3

Features

  • Door features: None
  • Flooring: Tile

Heating & Cooling

  • Heating features: None
  • Cooling features: None

Interior Area

  • Total structure area: 1,645
  • Total interior livable area: 1,645 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 117372008000
  • Zoning: HDR20
  • Special condition: Standard

Features

  • Stories: 1

Lot

  • Lot size: 5,227 sqft

Parking

  • Total spaces: 6
  • Parking features: Off Street
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Carport: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Earthquake
    EarthquakeVery High
  • Drought
    DroughtRelatively High
  • Inland Flooding
    Inland FloodingRelatively High

How This Home’s Risks Compare

Earthquake
Drought
Inland Flooding

FEMA Declared Disasters in Monterey County and California

Earthquake
Flood
Mud Landslide
Severe Ice Storm
Severe Storm
Snowstorm
Straight Line Winds
Tornado
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,736$44,832
Home Insurance *$151$1,812
Property Taxes $899$10,788
Electricity $398$4,786
Total$5,184$62,208
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$177,737/yr
40% on housing$155,520/yr
45% on housing$138,240/yr

California FAIR Plan Programs

California FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 417,310Commercial: 13,990
Total Premiums$1.42B
Total Exposure$429.84B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.9%
7.9%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: -0.4%
-0.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$449This listing

vs Other Active Listings

Avg $/sqft

ZIP 95076$491
Monterey County$769

vs Homes Sold Last Month

Median $/sqft

ZIP 95076$576
Monterey County$589

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-09Price change$789,000
2026-04-07Listed for sale$829,000
2016-05-12Listing removed$499,000
2013-09-30Listed for sale$499,000
2004-06-30Sold$513,000
1997-07-18Sold$80,000

For Sale by Agent

AgentCat Rathbun
BrokerageBailey Properties

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