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12975 Rose Ct, Royal Oaks (Watsonville), CA 95076 Property Records

Monterey County property record for 12975 Rose Ct, Royal Oaks, CA 95076

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,818 sqft · built 1997
Lot Size0.234 acres (10,191 sqft)
OwnerTrust Name on File
Last Sale$665,000 (Jul 2004)
Tax Bill$11,590 (2025)
Deeds & MortgagesNov 2021 Transfer
Dec 2021 Transfer
+ 5 more
Flood ZoneZone X (minimal risk)
APN117-101-024-000

Property Details

APN / Parcel Number

Primary APN117-101-024-000
Alternative APN
  • 117-101-024

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms10 Rooms
Stories1 Story
Building Area1,818 sqft Living Area
1st Floor Area1,818 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1997
Effective Year BuiltEffective 1997
Architectural StyleL-Shape
Construction TypeWood
Lot Area10,191 sqft (0.234 acres)
Garage Area462 sqft
Parking Spaces2 Parking Spaces

Location & Zoning

Old Parcel Number117-101-024
Street Address12975 ROSE CT
CityROYAL OAKS
StateCA
Zip95076-5454
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHERALDRY ESTATES VOL 19 PG 20 TRACT 1257 LOT 11
Legal SubdivisionHERALDRY ESTATES
Legal Tract1257
Legal Block2
Legal Lot Number11
JurisdictionMONTEREY CA
Township / Civil DivisionPAJARO
Census Block Group2
Census Block2001
Census Tract14601

Owner

12975 Rose Ct is owner-occupied and held in a trust since November 2021.

Source: Monterey County records, as of August 6, 2026

Owner of RecordTrust Name on File
Mailing Address12975 ROSE CT, ROYAL OAKS, CA 95076-5454
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Nov 30, 2021Intrafamily Transfer, Transfer
FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
Dec 1, 2021Intrafamily Transfer, Transfer
FIRST AMERICAN TITLE COMPANY
Dec 18, 2020Quit Claim Deed, Transfer
STEWART TITLE, STEWART TITLE/CA
Dec 17, 2020Intrafamily Transfer, Transfer · Conventional Mortgage
BAY FCU
Aug 30, 2017Intrafamily Transfer, Transfer · Conventional Mortgage
BAY FCU
Aug 31, 2017Quit Claim Deed, Transfer
FIRST AMERICAN TITLE
Nov 5, 2013Loan Modification, Mortgage · Conventional Mortgage
FEDERAL EMPS CU

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 6, 2004 · Amount on File
Deed SaleJul 6, 2004 · Amount on File
Prior SaleMay 21, 1997 · Amount on File
Deed Document Number200470465
Last Transfer DateNov 22, 2021
Transfer Doc0000080475
Record UpdatedOct 29, 2026

November 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMONTEREY CA
Recording DateNov 30, 2021
Property Address12975 ROSE CT, ROYAL OAKS, CA 95076-5454
Document Number0000080148
Map ReferenceVOL 19 PG 20
Instrument DateNov 22, 2021
Instrument2021080148
Transaction TypeTransfer
Record UpdatedDec 9, 2021
Title CompanyFIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address12975 ROSE CT, ROYAL OAKS, CA 95076-5454

December 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMONTEREY CA
Recording DateDec 1, 2021
Property Address12975 ROSE CT, ROYAL OAKS, CA 95076-5454
Document Number0000080475
Map ReferenceVOL 19 PG 20
Instrument DateNov 22, 2021
Instrument2021080475
Transaction TypeTransfer
Record UpdatedJun 7, 2023
Title CompanyFIRST AMERICAN TITLE COMPANY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address12975 ROSE CT, ROYAL OAKS, CA 95076-5454

December 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMONTEREY CA
Recording DateDec 18, 2020
Property Address12975 ROSE CT, ROYAL OAKS, CA 95076-5454
Document Number0000075862
Instrument DateDec 9, 2020
Instrument75862
Transaction TypeTransfer
Record UpdatedJan 5, 2021
Title CompanySTEWART TITLE, STEWART TITLE/CA

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address12975 ROSE CT ROYAL OAKS CA 950765454, ROYAL OAKS, CA 95076-5454

December 2020: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMONTEREY CA
Recording DateDec 17, 2020
Property Address12975 ROSE CT, ROYAL OAKS, CA 95076-5454
Document Number0000075525
Map ReferenceVOL 19 PG 20
Instrument DateDec 9, 2020
Instrument2020075525
Transaction TypeTransfer
Record UpdatedAug 19, 2021
Title CompanySTEWART TITLE OF CA INC

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address12975 ROSE CT, ROYAL OAKS, CA 95076-5454

Mortgage

Document Number0000075526
DateDec 17, 2020
Instrument2020075526
Lender
NameBAY FCU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJan 1, 2051

August 2017: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMONTEREY CA
Recording DateAug 30, 2017
Property Address12975 ROSE CT, ROYAL OAKS, CA 95076-5454
Document Number0000046749
Map ReferenceVOL19 PG20
Instrument DateAug 25, 2017
Instrument2017046749
Transaction TypeTransfer
Record UpdatedAug 19, 2021
Title CompanyFIRST AMERICAN TITLE COMPANY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address12975 ROSE CT, ROYAL OAKS, CA 95076-5454

Mortgage

Document Number0000046750
DateAug 30, 2017
Instrument2017046750
Lender
NameBAY FCU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2047

August 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMONTEREY CA
Recording DateAug 31, 2017
Property Address12975 ROSE CT, ROYAL OAKS, CA 95076-5454
Document Number0000047034
Instrument DateAug 25, 2017
Instrument47034
Transaction TypeTransfer
Record UpdatedSep 13, 2017
Title CompanyFIRST AMERICAN TITLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address12975 ROSE CT ROYAL OAKS CA 950765454, ROYAL OAKS, CA 95076-5454

November 2013: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionMONTEREY CA
Property Address12975 ROSE CT, ROYAL OAKS, CA 95076-5454
Document Number0000007715
Instrument DateNov 5, 2013
Transaction TypeMortgage
Record UpdatedMar 7, 2018
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address12975 ROSE CT ROYAL OAKS CA 950765454, ROYAL OAKS, CA 95076-5454

Mortgage

Document Number0000007715
DateFeb 23, 2018
Instrument7715
Lender
NameFEDERAL EMPS CU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 12975 Rose Ct was $11,590 with a homeowner's exemption.

Source: Monterey County assessment roll, as of August 6, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountyMonterey County
Unified School DistrictPajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$896,000 (-) Land $538,000 Building $358,000
2025$11,590.00 Homeowner's exemption$896,000 Land $524,000 Building $372,000
2023$9,465.00 (+16.75%) Homeowner's exemption$848,000 Land $319,000 Building $529,000
2022$8,107.00

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

Flood

FEMA maps place 12975 Rose Ct in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1995.

Source: FEMA National Flood Hazard Layer, effective July 15, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 16 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies16 in force
Nearby Flood Claims12 (1995–2023)
Claims Outside the SFHA2 of 12
Most Recent ClaimMar 2023 · Severe Storm And Flooding
Claims by Event
  • Severe Storm And Flooding, Mar 2023 · 8 claims
  • Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 4 claims

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

Wildfire risk around 12975 Rose Ct is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · lower than 88% of California
Wildfire Likelihood0.04% annual chance
ExposureIndirect
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 SystemPSMCSD - SUNNY MESA
serves 880 people · EPA ID CA2700773
Water SourceGroundwater
Last State InspectionSep 2023
Also Mapped HerePSMCSD - PAJARO
Lead1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 120 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Cruzio
Fixed Wireless		1,000 / 1,000
Razzolink
Fixed Wireless		500 / 250
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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