14 Stender Ave, Royal Oaks (Watsonville), CA 95076 Property Records

Monterey County property record for 14 Stender Ave, Royal Oaks, CA 95076

Property Summary

Property Type	Apartments (5+ Units)
Details	3 bd · 1.5 ba · 10,368 sqft · built 1990
Lot Size	0.464 acres (20,188 sqft)
Owner	Company Name on File
Last Sale	$2,600,000 (Dec 2020)
Tax Bill	$36,704 (2025)
Deeds & Mortgages	Oct 2025 Sale Dec 2020 Sale & Line of Credit
Flood Zone	Zone AO (high risk)
APN	`117-352-005-000`

Property Details

APN / Parcel Number

Primary APN	`117-352-005-000`
Alternative APN	`117-352-005`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	10,368 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Other
Construction Type	Wood
Lot Area	20,188 sqft (0.464 acres)
Garage Area	2,592 sqft
Parking Spaces	9 Parking Spaces

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Old Parcel Number	117-352-005
Street Address	14 STENDER AVE
City	ROYAL OAKS
State	CA
Zip	95076-5288
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Legal Description	MP 1 B D SAN CAYETANO RO SUB L OF LOT 170
Legal Subdivision	MP 1 B D SAN CAYETANO RO SUB
Legal Block	2
Legal Lot Number	170
Jurisdiction	MONTEREY CA
Township / Civil Division	PAJARO
Census Block Group	2
Census Block	2002
Census Tract	10101

Owner

14 Stender Ave, a residential property, is owned by a company that bought it in December 2020.

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

Owner of Record	Company Name on File
Mailing Address	5655 SILVER CREEK VALLEY RD, SAN JOSE, CA 95138-2473
Owner Type	Company
Vesting	Limited Liability Partnership

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

Date	Document
Oct 15, 2025	Grant Deed, Transfer
Dec 14, 2020	Grant Deed, Transfer · Line of Credit PROVIDENT SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 14, 2020 · Amount on File
Deed Sale	Dec 14, 2020 · Amount on File
Prior Sale	Sep 13, 1994 · Amount on File
Deed Document Number	202074450
Record Updated	Oct 29, 2026

October 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Oct 15, 2025
Property Address	14 STENDER AVE, ROYAL OAKS, CA 95076-5288
Document Number	0000037037
Map Reference	MB 404 PG 357
Instrument Date	Sep 24, 2025
Instrument	2025037037
Transaction Type	Transfer
Record Updated	Oct 28, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5655 SILVER CREEK VALLEY RD # 502, SAN JOSE, CA 95138-2473

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Dec 14, 2020
Property Address	14 STENDER AVE, ROYAL OAKS, CA 95076-5288
Document Number	0000074450
Instrument Date	Dec 3, 2020
Instrument	2020074450
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	5655 SILVER CREEK VALLEY RD # 502, 502, SAN JOSE, CA 95138-2473

Mortgage

Document Number	0000074451
Date	Dec 14, 2020
Instrument	2020074451

Lender

Name	PROVIDENT SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Interest

Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 14 Stender Ave was $36,704.

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

Property Jurisdictions

Type	Name
State	California
County	Monterey County
Unified School District	Pajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$2,466,597 (+2%) Land $828,060 Building $1,638,537
2025	$36,704.00	$2,418,322 Land $811,824 Building $1,606,498
2023	$31,856.00 (+1.84%)	$2,709,540 Land $780,300 Building $1,929,240
2022	$31,280.00

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

Flood

FEMA maps place 14 Stender Ave in Zone AO, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone AO high risk · sheet flow 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 47 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	47 in force
Nearby Flood Claims	99 (1995–2023)
Claims Outside the SFHA	6 of 99
Most Recent Claim	Mar 2023 · Severe Storm And Flooding
Claims by Event	Severe Storm And Flooding, Mar 2023 · 40 claims Severe Winter Storms And Flooding, Feb 1998 · 5 claims Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 49 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 14 Stender Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 97.4% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	PSMCSD - PAJARO serves 3,500 people · EPA ID CA2710020
Water Source	Groundwater
Last State Inspection	Sep 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 394 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Cruzio Fixed Wireless	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

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